Payday Loans in West Paris, Maine

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

Company nameAddressZip codePhone number
Bath Savings Institution 3 Pleasant St, Brunswick, ME 04011 +1 (207) 729 - 8039
Pine Tree Garage 1355 Long Plains Rd, Buxton, ME 04093 +1 (207) 929 - 6414
TD Bank 10 Tibbetts Dr, Brunswick, ME 04011 +1 (207) 721 - 8122
Twin City Financial Group 1071 Lisbon St, Lewiston, ME 04240 +1 (207) 777 - 6266
Morong Falmouth Mazda 187 US-1 1311, Falmouth, ME 04105 +1 (207) 781 - 4020
Farm Credit East 615 Minot Ave, Auburn, ME 04210 +1 (800) 831 - 4230
Nor State Federal Credit Union 78 Fox St, Madawaska, ME 04756 +1 (207) 728 - 7555
TD Bank 1237 Main St Route 109, Sanford, ME 04073 +1 (207) 324 - 8946
Maine Solutions FCU 209 Western Ave B, South Portland, ME 04106 +1 (207) 775 - 8371
Connected Credit Union 85 Civic Center Dr, Augusta, ME 04330 +1 (207) 623 - 3857

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in West Paris, ME, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bangor, ME, Same Day Loans in Lewiston, ME and Payday 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 Paris, ME.

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Payday Loans Available in West Paris, ME By The Following ZIP Codes:

04289

Are Payday Loans Legal In West Paris, 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 Paris, ME payday loan calculator

Advise to read before applying

Payday Loans in West Paris, Maine: What You Need to Know

Payday loans can be a great option when you need quick cash to cover unexpected expenses. However, it is crucial to understand the laws and regulations surrounding payday loans in your state. In this article, we will take a closer look at payday loans in West Paris, Maine.

Are Payday Loans Legal in West Paris, Maine?

Payday loans are legal in Maine but only for supervised lenders. Unsupervised lenders, such as online lenders, are illegal in the state. Maine caps payday loans at $2,000 with a maximum APR of 30%. The loan term cannot exceed 35 days, and lenders can charge a maximum fee of 30% for loans of up to $2,000.

How to Apply for a Payday Loan in West Paris, Maine

To apply for a payday loan in West Paris, Maine, you can visit a supervised lender’s physical store or apply online. Supervised lenders in Maine are required to have a physical presence in the state and to be licensed with the Maine Bureau of Consumer Credit Protection. When you apply for a payday loan, you will need to provide your identification, proof of income, and other required documents.

The Benefits of Payday Loans in West Paris, Maine

Payday loans can be an excellent option when you need quick cash to cover unexpected expenses such as medical bills or car repairs. With a payday loan, you can get the money you need before your next paycheck. Payday loans in Maine come with consumer protections, including limits on the loan amount and fees, to protect borrowers from predatory lending practices.

The Risks of Payday Loans in West Paris, Maine

While payday loans can be helpful in a financial emergency, there are risks involved. Payday loans can come with high fees and interest rates, making them an expensive option. Additionally, if you cannot repay your payday loan on time, you may end up in a cycle of debt, where you take out another loan to pay off the original loan and accrue more fees and interest.

Alternatives to Payday Loans in West Paris, Maine

If you need quick cash but do not want to take out a payday loan, there are other options available to you. You can consider getting a personal loan or a credit card, borrowing from friends or family, or earning extra income through a side hustle or selling unused items.

Interesting Facts and Statistics about Payday Loans in West Paris, Maine

  • Payday loans are not restricted in Maine – they are regulated. They have strict limits on how much you can borrow and what the lender can charge you for the loan.
  • The average APR for a payday loan in Maine is 217%.
  • As of 2020, there were 28 payday lenders in Maine.
  • Payday loan usage is highest in Maine’s urban areas.

Apply Now for a Payday Loan in West Paris, Maine

If you need quick cash to cover unexpected expenses, you can apply for a payday loan on TheGuaranteedLoans website. We are a connector service that connects borrowers with potential lenders. We are not a direct lender, and we do not make credit decisions. Our goal is to make the application process as easy and straightforward as possible. Fill out our online application today and get connected with a lender who can help you get the money you need.

Remember, payday loans are an expensive option, and you should take out a loan only if you can repay it in full on time. Make sure to read the loan agreement carefully and understand all the terms and conditions before you sign on the dotted line.

F.A.Q.

Are there any alternative loan options available in West Paris, Maine?

Yes, there are alternative loan options available in West Paris, Maine, such as personal loans, installment loans, and credit union loans. These options may have lower interest rates and more flexible repayment terms than payday loans.

Can I be sued or have my wages garnished if I fail to repay a payday loan in West Paris, Maine?

Yes, if you fail to repay a payday loan in West Paris, Maine, the lender may take legal action against you, including suing you or garnishing your wages. It is important to communicate with the lender and make repayment arrangements if you are unable to repay the loan on time.

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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