Maine borrowers get matched with lenders licensed to lend here
Rates, approval odds, and product availability in Maine look different than in neighboring states. We route Maine applications only to lenders and brokers licensed by the Maine Bureau of Consumer Credit Protection, so the offers you see are ones you can actually take.
How lending in Maine is different
Maine's median household income is $71,139 — in line with the national household-income median — and the typical home price of $365,000 sits close to the $350,000 national midpoint. On our platform, the average funded loan in Maine runs about $18,200, with mortgage loans as the most requested product across Portland, Lewiston, and the rest of the state.
Consumer Credit Code caps APRs by loan size; payday and small loans limited to 30%. The Maine Bureau of Consumer Credit Protection (ME BCCP) supervises consumer lenders operating in Maine, and every match we send you carries their license number so you can verify it before you share documents.
- Compare at least 3 Maine offers — APR spread between lenders here is often 4–8 percentage points on the same credit profile.
- If you're buying in Portland or Lewiston, ask about local down-payment assistance — Maine programs stack with most conforming loans.
- A soft-pull pre-qual on our platform does not affect your credit score; only the lender you choose runs a hard pull.
Maine at a glance
Local market data we use to calibrate matches for borrowers in Maine.
What a real Maine offer looks like
Illustrative math using Maine's median home price, our average funded loan size in ME, and typical partner APRs. Your actual offers depend on credit, DTI, and lender.
Buying near Portland at $365,000
A 20% down, 30-year fixed at ~6.75% APR on the Maine median home price puts principal & interest around $1,894/mo. Local ME down-payment assistance can stack on top.
See Maine mortgage offersTypical $18,200 funded loan in ME
Our average funded personal loan for a Maine borrower runs about $18,200 over 4 years. At 11.9% APR that's roughly $478/mo — with rate ceilings enforced by the ME BCCP.
Check my Maine rateConsolidating ~$21,342 of high-rate debt
Rolling roughly 30% of the Maine median household income out of 22% credit cards and into a 5-year fixed 9.5% loan drops the payment to about $448/mo — a common ME refinance path.
Match a Maine lenderPayment estimates are illustrative and do not include taxes, insurance, or lender fees. Consumer loans in Maine are supervised by the Maine Bureau of Consumer Credit Protection.
Every loan type available in Maine
Our marketplace covers every major loan product for Maine residents. Each match is from a lender licensed by the ME BCCP to operate in ME.
See your real Maine offers in about 2 minutes
Answer a few quick questions. We'll match you with lenders licensed by the ME BCCP — with APR, monthly payment, and fees shown upfront.
- Maine-licensed lenders only
- Soft credit pull — no score impact
- Real APRs calibrated to ME market
Lending rules in Maine
Maine consumer lenders are supervised by the Maine Bureau of Consumer Credit Protection. Every match we send you comes with the lender's active ME license number.
Consumer Credit Code caps APRs by loan size; payday and small loans limited to 30%.
- Pre-qualification uses a soft credit pull — your ME credit file is not affected.
- We never sell Maine borrower data. Only lenders you choose see your contact info.
- Offers are calibrated to Maine DTI norms and the local $365,000 home-price market.
Informational only — not legal or financial advice. ME rate caps and regulations change; confirm details with the Maine Bureau of Consumer Credit Protection.
Top Maine cities we serve
Don't see your city? We serve every ZIP code in Maine.
Questions Maine borrowers ask
+What loan types are available in Maine?
Nothing But Loans covers personal, auto, mortgage, HELOC, student, business, SBA, debt consolidation, solar, and 15+ other products for Maine residents. Every match is routed to a lender licensed by the Maine Bureau of Consumer Credit Protection.
+Are the lenders on this site licensed in Maine?
Yes. We only forward your request to partners that hold an active ME license with the Maine Bureau of Consumer Credit Protection (ME BCCP). Their NMLS or state license number appears with every offer.
+What are the Maine interest-rate rules I should know about?
Consumer Credit Code caps APRs by loan size; payday and small loans limited to 30%. This affects what a lender can legally charge you in ME on non-bank consumer loans.
+Does checking rates affect my credit score in Maine?
No. Our 2-minute questionnaire uses a soft credit pull, which is invisible to other lenders and has zero impact on your score. Only the Maine lender you choose to move forward with will run a hard pull.
+How much do borrowers in Maine typically request?
The average funded consumer loan on our platform in Maine is about $18,200. Popular products in ME are Mortgage, Personal, Auto, with mortgage sizes driven by the ~$365,000 median home price.
+Do you serve borrowers outside of Portland?
Yes — every ZIP code in Maine is covered. Whether you're in Portland or a smaller market, we route your inquiry to lenders active in your county.
Ready to see your Maine rates?
Takes about 2 minutes. Soft credit pull, no obligation, and only lenders licensed in ME — never a mystery list.
- Match to a Maine-licensed lender
- Free — no cost to compare
- Never any spam or hidden fees