- Payday loans in Auburn follow Maine law (Maine Consumer Credit Code (Title 9-A)).
- We could not verify a fee cap for Maine; check current limits with the Maine Bureau of Consumer Credit Protection.
- The nearest larger city is Lewiston, about 4 miles away.
Auburn at a glance
| Auburn | |
|---|---|
| Population (2024 Census estimate) | 25,200 |
| Change since 2020 | +4.6% (growing) |
| County | Androscoggin County |
| Size rank among 23 Maine places we cover | 5th |
| Share of Maine’s population | 1.8% |
| Nearest larger city | Lewiston (about 4 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Androscoggin County | 8 |
| Other towns within 25 miles | 3 (about 53,749 residents) |
| Typical payday APR statewide (CRL 2023) | 228% |
There is no separate Auburn payday law: Maine rules apply here, and any lender serving Auburn residents, online or in person, needs a license from the Maine Bureau of Consumer Credit Protection.
Credit unions near Auburn
No credit union has its main office in Auburn, but these are based elsewhere in Androscoggin County (NCUA, June 2026):
- Maine Family Federal Credit Union in Lewiston (federal charter — may offer payday alternative loans (PALs))
- Milestones Federal Credit Union in Lewiston (federal charter — may offer payday alternative loans (PALs))
- Central Maine Federal Credit Union in Lewiston (federal charter — may offer payday alternative loans (PALs))
- Great Falls Regional Federal Credit Union in Lewiston (federal charter — may offer payday alternative loans (PALs))
- Dirigo Federal Credit Union in Lewiston (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Auburn
In short, Maine rules that cover Auburn include: licensing: lenders must be licensed by the Bureau of Consumer Credit Protection; fees: maine limits fees on small loans; check the Bureau for current limits. See the full Maine payday loan rules.
What a $300 loan costs in Auburn
The Center for Responsible Lending put the typical APR on a $400 payday loan in Maine at 228% (June 2023). We could not verify a fee cap for Maine; check current limits with the Maine Bureau of Consumer Credit Protection. Check any offer with our payday loan calculator.
Other help in Androscoggin County before you borrow
Before a payday loan, Auburn residents can usually find something cheaper:
- Local assistance through 211 covering Androscoggin County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Auburn
The nearest larger city is Lewiston, about 4 miles away. See all 23 Maine cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Auburn?
Yes. Payday loans are legal in Auburn under Maine state law, and lenders must be licensed by the Maine Bureau of Consumer Credit Protection.
How much does a payday loan cost in Auburn?
We could not verify a fee cap for Maine; check current limits with the Maine Bureau of Consumer Credit Protection. The typical statewide APR was 228% in 2023.
Where is the nearest credit union to Auburn?
No credit union is headquartered in Auburn, but Maine Family Federal Credit Union is based in Lewiston, also in Androscoggin County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Maine Bureau of Consumer Credit Protection
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary