Quick answer
Maine is served by the Maine Bureau of Consumer Credit Protection. Most loan types are available, each with its own limits and licensing requirements. Call (800) 236-7761 or use the form to see which lenders are active in Maine today.
Maine loan rules at a glance
- Payday max amount
- Varies
- Payday term
- 14 to 31 days
- Payday cost cap
- A licensed payday lender may not charge a fee larger than $25 on a payday loan of $250 or more (Maine state report, 2016
- Payday licensing
- Supervised lender license from the Bureau of Consumer Credit Protection under Maine Consumer Credit Code Title 9-A, sect
- Governing statutes
- Title 9
Regulator: Maine Bureau of Consumer Credit Protection · Phone: 1-800-332-8529 · Statutes: Title 9 · Last verified: 2026-10-08
Loan products in Maine
The table below summarises each product's legal status and key limits under Maine law. Click a product to see the detailed guide.
| Loan type | Status | Key limits |
|---|---|---|
| Payday loans | Restricted | A licensed payday lender may not charge a fee larger than $25 on a payday loan of $250 or more (Main |
| Cash advance | Restricted | Same as a payday loan under the Maine Consumer Credit Code (Title 9-A). |
| Title loans | Unclear | Check with the state regulator |
| Installment loans | Restricted | State limits apply |
| Bad credit loans | Restricted | Credit history is not a separate statutory product category; the same Title 9-A supervised-loan rule |
| Debt consolidation | Unclear | Check with the state regulator |
| Refinance | Unclear | Check with the state regulator |
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Cities in Maine
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