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Personal loans in Maine, WI

For a borrower in Maine, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. The Census counts about 2,616 residents in Maine, ranking it 226th among the 605 places in Wisconsin. Rate caps and licensing for consumer lenders in Wisconsin come from state law, and the sourced rows below set them out.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Maine at a glance

  • Population: 2,616 (US Census Bureau, Vintage 2023 subcounty estimate), the 226th-largest of 605 places in Wisconsin.
  • 2020 Census base: 2,616 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
  • Rank among Wisconsin places: 226th out of 605 Census places (US Census Bureau).
  • Size percentile: about 63% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: mapped at 45.0580, -89.6813 by the US Census Bureau Gazetteer.
  • Nearest larger cities: Wausau, WI (7 mi); Merrill, WI (9 mi); Rothschild, WI (13 mi); Weston, WI (13 mi); Kronenwetter, WI (17 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller places: Schofield, WI (10 mi); Marathon City, WI (12 mi); Edgar, WI (17 mi) (US Census Bureau estimates).

What a personal loan costs in Maine

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Wisconsin lending rules that apply in Maine

Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.

RuleDetailSource
Small-loan / installment lender licensingLicensed lender license required from the Division of Banking (Wis. Stat. § 138.09)
Source says: Before any person may do business under this section, that person shall first obtain a license from the division.		Wisconsin State Legislature
as of 2026-09-16
State lending regulatorWisconsin Department of Financial Institutions (DFI), Division of Banking
Source says: "Department" means the department of financial institutions		Wisconsin State Legislature
as of 2026-09-16
Maximum legal interest rate (usury cap)12% per year maximum ($12 per $100) on the declining principal balance, except as authorized by other statutes (Wis. Stat. § 138.05(1)(a))
Source says: At the rate of $12 upon $100 for one year computed upon the declining principal balance of the loan or forbearance		Wisconsin State Legislature
as of 2026-09-16
Payday lending statusLegal and licensed by the DFI Division of Banking; statewide database tracking (Wis. Stat. § 138.14)
Source says: "Licensee" means a person holding a license issued by the division under sub. (5)		Wisconsin State Legislature
as of 2026-09-16

How to compare offers in Maine

Here is a short checklist for comparing personal loans in Maine:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Wisconsin using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Maine?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Maine are the same as elsewhere in Wisconsin.
How much can I borrow with a personal loan in Maine?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Maine require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Maine hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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