Payday Loans in West Boothbay Harbor, Maine

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No payday loan companies in West Boothbay Harbor, ME. Consider companies in other cities:

Company nameAddressZip codePhone number
Five County Credit Union Inside Wal-Mart, 30 Landing Rd, Windham, ME 04062 +1 (800) 750 - 0959
RepubliCash, LLC 155 Maine Mall Rd, South Portland, ME 04106 +1 (207) 899 - 4518
Midcoast Federal Credit Union 831 Middle St, Bath, ME 04530 +1 (207) 443 - 5531
KeyBank 5 Hannaford Dr, Scarborough, ME 04074 +1 (207) 883 - 4344
Norway Savings Bank 65 Main St, Gorham, ME 04038 +1 (207) 222 - 1502
Androscoggin Bank 208 1/2 Maine St, Brunswick, ME 04011 +1 (800) 966 - 9172
Maine Savings 101 Western Ave, Hampden, ME 04444 +1 (207) 862 - 6500
Androscoggin Bank 580 Lisbon St, Lisbon Falls, ME 04252 +1 (207) 353 - 3140
Bangor Federal Credit Union 339 Hogan Rd, Bangor, ME 04401 +1 (207) 947 - 0374
Brookfield Mortgage Co 472 Portland Rd, Bridgton, ME 04009 +1 (207) 647 - 4440

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in West Boothbay Harbor, ME, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Bangor, ME, Payday Loans in Lewiston, ME and Same Day Loans in Portland, ME. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in West Boothbay Harbor, ME.

Beautiful sights of West Boothbay Harbor, ME

Are Payday Loans Legal In West Boothbay Harbor, Maine?

Loan Rates and Fees, Laws and Regulations in Maine.

Maine Loan Regulations

Legal StatusPermitted for supervised lenders only
Interest Rate (APR, %)30% APR; In Fact - 217%
Maximum Loan Amount$2,000
Minimum Loan TermNot Specified
Maximum Loan TermNot Specified
Number of Rollovers AllowedNot specified
Finance ChargesAlternative to small loan cap: <$75 = $5; $75-$250 = $15; >$250 = $25

West Boothbay Harbor, ME payday loan calculator

Understanding Payday Loans in West Boothbay Harbor, Maine

Payday loans are a popular method of obtaining fast cash when faced with unexpected financial obligations. Despite their convenience, payday loans can come with high-interest rates and fees that can quickly spiral out of control if not carefully managed. Payday loans are legal in Maine, but only for supervised lenders.

What Are Payday Loans?

Payday loans are short-term, high-interest loans designed to help borrowers bridge the gap between paychecks. These loans are typically for small amounts of money and are repaid in full with interest and fees on the borrower’s next payday. In Maine, the maximum loan amount is $2000, and the maximum APR is 30%. Payday loans are not designed to be long-term solutions to financial problems and should only be used in emergencies.

How Do Payday Loans Work in West Boothbay Harbor, Maine?

In Maine, payday loans are supervised by the Maine Bureau of Consumer Credit Protection. Payday lenders must be licensed through the state and adhere to strict guidelines regarding loan amounts, fees, and interest rates. Before taking out a payday loan, borrowers should carefully read and understand the loan agreement, including all fees and repayment terms. If a borrower is unable to repay the loan on time, they may face additional fees and interest charges.

Apply Now

If you’re facing a financial emergency and need quick cash, apply now through TheGuaranteedLoans. We are a connector service, not a direct lender, but we work with a network of potential lenders who can provide payday loans in West Boothbay Harbor, Maine. By filling out our online application, you can get connected with a lender quickly and easily. Remember, payday loans should only be used in emergencies and should be repaid in full on the borrower’s next payday. Click here to apply now.

The Risks of Payday Loans

While payday loans can be a useful tool in times of financial need, they also come with risks. Borrowers who are unable to repay their payday loans on time may face high-interest rates, fees, and even legal action. It’s important to carefully consider all options before taking out a payday loan and only borrow what you can afford to repay. Borrowers should also explore alternative options, such as personal loans, credit cards, or emergency savings funds, before turning to payday loans.

Interesting Facts about Payday Loans in West Boothbay Harbor, Maine

  • Payday loans are capped at $2000 in Maine.
  • Maine has some of the strictest payday lending laws in the United States.
  • The maximum APR for payday loans in Maine is 30%.

Conclusion

Payday loans in West Boothbay Harbor, Maine, can provide a fast and convenient way to get cash in an emergency. However, borrowers should carefully consider all options before taking out a payday loan. Only borrow what you can afford to repay, and explore alternative options such as personal loans or credit cards first. Remember, TheGuaranteedLoans is here to help connect borrowers with potential lenders, but we strongly encourage responsible borrowing.

F.A.Q.

Can I be charged with a penalty if I miss a payment on my payday loan in West Boothbay Harbor, Maine?

Yes, if you miss a payment on your payday loan in West Boothbay Harbor, Maine, the lender may charge you a penalty fee. This fee is in addition to any interest or other fees that may be charged for the loan. It is important to make your payments on time to avoid incurring any additional fees.

Can I have multiple payday loans in West Boothbay Harbor, Maine at the same time?

No, you can only have one payday loan in West Boothbay Harbor, Maine at a time.

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