- Payday loans in Biddeford 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.
- 1 credit union is headquartered in Biddeford; ask about small-dollar loans before borrowing.
Biddeford at a glance
| Biddeford | |
|---|---|
| Population (2024 Census estimate) | 22,370 |
| Change since 2020 | -0.8% (holding steady) |
| County | York County |
| Size rank among 23 Maine places we cover | 7th |
| Share of Maine’s population | 1.6% |
| Nearest larger city | South Portland (about 14 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in York County | 2 |
| Other towns within 25 miles | 5 (about 161,509 residents) |
| Typical payday APR statewide (CRL 2023) | 228% |
Whether you borrow at a storefront in South Portland or online from Biddeford, the lender must hold a Maine license from the Maine Bureau of Consumer Credit Protection and follow state limits.
Credit unions in Biddeford
These credit unions have their main office in Biddeford, according to NCUA call report data (June 2026):
- Peopleschoice 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 Biddeford
Key Maine limits that apply to Biddeford 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 Biddeford
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 York 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 Biddeford 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 Biddeford
The nearest larger city is South Portland, about 14 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 Biddeford?
Yes. Payday loans are legal in Biddeford 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 Biddeford?
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 Biddeford?
Yes. NCUA data lists 1 credit union with a main office in Biddeford, including Peopleschoice Credit Union.
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