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Apply For Same Day Payday Loans Online in Maine (ME) with AdvanceSOS

Payday Loans in Maine

Have you ever run out of money before your next paycheck is due? There’s no need to despair because it happens to a lot of people. One good way to settle unexpected expenses is to apply for Maine payday loans. This short-term cash advance gets you the money you need before your next payday.

Like Kansas and many other US states, payday loans are legal in Maine. However, they’re highly restrictive due to strict regulations meant to protect borrowers from unlicensed lenders that charge outrageous fees. 

Can I Get a Payday Loan in Maine on the Same Day?

Yes, you can apply and get an almost instant lending decision on your Maine payday loan application. Online payday loans same day deposit no credit check are meant for people in need of emergency funds to settle urgent financial needs. 
Therefore, payday loan lenders try to approve loans as quickly as possible so you can get the money you need within a few hours of sending in your loan application.

How Many Payday Loans Can You Have in Maine?

In contrast to places like Maryland, short-term loan regulations in Maine do not limit the number of Maine payday loans that borrowers can get. There’s also no cool-off period. However, the maximum outstanding payday loan amount you can have outstanding at any given time is $2,000. 
Therefore, no matter how many loans you get, the total payday loan amount must not exceed this figure.

Does Maine Allow Payday Loans?

Yes, payday lending is allowed in Maine. However, there are restrictions that limit the activities of payday loan providers in the state. For instance, the annual percentage rate (APR) limit for all small loans is capped at $30, which is relatively low compared to other states. 
Also, finance charges on loans up to $75 are capped at $5, $75-$250 loans carry no more than $15, while $250 loans are charged at $25.

How to Apply for Payday Loans in Maine?

To apply for payday loans in Maine, you must be at least 18 years old, a US citizen, and a resident in Maine. Your application begins with you filling out an online form with a payday loan broker, such as AdvanceSOS. 
You will be required to provide basic personal details and contact information. This information will be used to match you to a direct lender in the lending pool that will process your loan application and send the funds to your bank account once you consent to the loan agreement.

Can I Get a Payday Loan in Maine With Bad Credit?

Maine has an average credit score of 727, which is higher than the national average. However, even if your credit score is below this, you may still apply for payday loans in Maine to get funds for your urgent cash needs. Unlike traditional loan applications in banks, online payday loan providers cater to customers with excellent and bad credit scores.

Can I Get a Payday Loan in Maine With No Credit Check?

Yes, you can get a payday loan in Maine without a hard credit check with a credit bureau. If you’re worried about a credit check affecting your credit score, then a payday loan is a good idea for you. 
Unlike traditional financial institutions, most payday lenders on our network only do a soft check on your credit to determine your ability to repay the loan you seek. This type of check does not impact your credit score negatively.

Why Is AdvanceSOS the Best Solution for Online Payday Loans?

Trusted – Borrowers in Maine trust AdvanceSOS for reliable short-term lending services
Convenient online loan application – Apply for payday loans in Maine conveniently from anywhere and on any device
Quick loan process – Maine payday loans on AdvanceSOS are processed within 24 hours and sent to your bank account
No credit check – You can get small-dollar loans with no hard credit check through AdvanceSOS
Updated: Oct 1, 2023

What Are The Current Regulations for Payday Loans in Maine?

Law status restricted
MIN Loan Amount None
MAX Loan Amount $2,000
MIN. Loan Term None
MAX. Loan Term None
Additional fees None
NSF fee None
Collateral or guarantor None, unsecured
Number of simultaneous loans Not stated
Cooling off period None
Rollover None
Extension, repayment plan None
Default penalties Not stated
Credit score requirements Available for Bad Credit

Where Can We Help You Apply for Loans in Maine?

AdvanceSOS offers quickly help you find the best loan offers in cities like AdvanceSOS offers quickly help you find the best loan offers in cities like Holden, New Portland, Farmingdale, Vassalboro, Charleston and Ashland.


New Portland


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