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Payday Loan Rules in Maine
Restricted / general consumer-loan caps
| Maximum amount | No payday-specific maximum |
|---|---|
| Loan term | Varies |
| Rate / fee rule | Consumer loan rates generally tiered: 30% on first $2,000; 24% on $2k–$4k; 18% above $4k, subject to statute |
| Regulatory basis | Me. Rev. Stat. tit. 9-A §§1-201, 1-301, 2-401 |
Key Rules
- No special high-cost payday carve-out
- general consumer-credit rules control pricing
Alternative Loan Options in Maine
- Licensed consumer installment/personal loan
- credit-union PAL
- bank small-dollar loan
Regulatory reference: review the cited regulator or statute summary. State rules can change; confirm current terms before borrowing.
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