- Payday loans in Ellsworth 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 Bangor, about 23 miles away.
Ellsworth at a glance
| Ellsworth | |
|---|---|
| Population (2024 Census estimate) | 8,822 |
| Change since 2020 | +4.8% (growing) |
| County | Hancock County |
| Size rank among 23 Maine places we cover | 13th |
| Share of Maine’s population | 0.6% |
| Nearest larger city | Bangor (about 23 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Hancock County | 1 |
| Other towns within 25 miles | 2 (about 42,075 residents) |
| Typical payday APR statewide (CRL 2023) | 228% |
Payday lending in Ellsworth follows Maine state law. Lenders that serve Ellsworth, in a store or online, must be licensed by the Maine Bureau of Consumer Credit Protection.
Credit unions near Ellsworth
No credit union has its main office in Ellsworth, but these are based elsewhere in Hancock County (NCUA, June 2026):
- Seaboard Federal Credit Union in Bucksport (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 Ellsworth
The main Maine rules for a payday loan in Ellsworth: 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 Ellsworth
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 Hancock County before you borrow
- Call or text 211 for help with rent, utilities and food in Hancock County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Ellsworth
The nearest larger city is Bangor, about 23 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 Ellsworth?
Yes. Payday loans are legal in Ellsworth 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 Ellsworth?
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 Ellsworth?
No credit union is headquartered in Ellsworth, but Seaboard Federal Credit Union is based in Bucksport, also in Hancock 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