- Payday loans in Augusta 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.
- 5 credit unions are headquartered in Augusta; ask about small-dollar loans before borrowing.
Augusta at a glance
| Augusta | |
|---|---|
| Population (2024 Census estimate) | 19,168 |
| Change since 2020 | +1.3% (growing) |
| County | Kennebec County |
| Size rank among 23 Maine places we cover | 10th |
| Share of Maine’s population | 1.4% |
| Nearest larger city | Lewiston (about 28 miles) |
| Credit unions headquartered in town (NCUA) | 5, 3 federal |
| Credit unions headquartered in Kennebec County | 9 |
| Other towns within 25 miles | 3 (about 26,115 residents) |
| Typical payday APR statewide (CRL 2023) | 228% |
Whether you borrow at a storefront in Lewiston or online from Augusta, the lender must hold a Maine license from the Maine Bureau of Consumer Credit Protection and follow state limits.
Credit unions in Augusta
These credit unions have their main office in Augusta, according to NCUA call report data (June 2026):
- Trademark Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Capital Area Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- K V Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Connected Credit Union (state charter)
- Maine State Credit Union (state charter)
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 Augusta
Key Maine limits that apply to Augusta borrowers: 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 Augusta
We could not verify a fee cap for Maine; check current limits with the Maine Bureau of Consumer Credit Protection. Statewide, the typical APR on a $400 payday loan was 228% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Kennebec County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Augusta that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Augusta
The nearest larger city is Lewiston, about 28 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 Augusta?
Yes. Payday loans are legal in Augusta 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 Augusta?
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.
Are there credit unions in Augusta?
Yes. NCUA data lists 5 credit unions with a main office in Augusta, including Trademark Federal Credit Union and Capital Area Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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