Bath, Maine Best Personal Loan Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Bath, Maine include: Midcoast Federal Credit UnionMidcoast Federal Credit Union831 Middle St, Bath, ME, 04530 2401A+5.0 ★Texas Ratio: 1.63% offering Debt Consolidation Loan at 9.74% APR, Maine Family Federal Credit UnionMaine Family Federal Credit UnionA+5.0 ★Texas Ratio: 1.36% offering Tractor (Personal use only) Loan at 5.50% APR, Milestones Federal Credit UnionMilestones Federal Credit UnionA+5.0 ★Texas Ratio: 3.93% offering Unsecured Personal / Signature Loan at 6.25% APR, Trademark Federal Credit UnionTrademark Federal Credit UnionA5.0 ★Texas Ratio: 12.12% offering Personal Loan at 6.99% APR, and Cumberland County Federal Credit UnionCumberland County Federal Credit UnionA+5.0 ★Texas Ratio: 4.94% offering Personal Loans at 7.50% APR. Personal loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Bath has 1 local institution in our database, with personal loan rates as low as 9.74% APR from Midcoast Federal Credit Union at 831 Middle St, Bath, ME, 04530 2401. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Bath, Maine.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Bath, Maine. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: August 28, 2026
Bath Personal Loan Rates
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Loan Amount: $6,000 to $9,999
Loan Amount: $10,000 to $19,999
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Loan Amount: $20,000 to $49,999
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As Low As; Loan Amount: $2501 and Over
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No additional details available.
As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
No additional details available.
As Low As; Loan Amount: $2501 and Over
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As Low As; Loan Amount: $2501 and Over
As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
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Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 730, and maximum term is 36 months. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. On a $7,500 loan, the payment would be $238.64 per month for 36 months with a 9.04% APR.
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Eligible My Link Program Member: 8.99%
As Low As; Loan Amount: $2501 and Over
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As Low As* (Variable) Index Used Prime (plus) 2.99% Floor Up to 60 months The floor equals the margin in effect *Annual Percentage Rate (APR.) and margin for the above loans will vary based on the borrower's credit score and selected term. We use risk based pricing to determine rates. The annual percentage rate may change (increase or decrease) during the term of the loan based on the changes in the interest rate index. The index is the prior quarter's ending prime rate as quoted in the Wall Street Journal, plus a margin. Please contact a Financial Services Representative for more information. Rates are subject to change. Membership eligibility is required. Loan rates are as of July 1, 2026, subject to change daily.
Eligible My Link Program Member: 9.24%
As Low As; Loan Amount: $2501 and Over
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As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
Rates are fixed for the life of the loan.
No additional details available.
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Rates as low as*; Loans for less than $7,500 have a maximum term of 48 months and loans greater than $7,500 have a maximum term of 60 months. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and creditworthiness. All rates and loans are subject to credit approval. Other terms and rates may be available. Contact an SVCU loan officer for more information.
Maximum APR: Up to 18.00% APR
No additional details available.
Eligible My Link Program Member: 9.99%
As low as*; *See important disclosures for details.
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$500-$25000
As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
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As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
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$75,000 Maximum
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As low as*; *See important disclosures for details.
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No additional details available.
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No additional details available.
As low as; Annual Percentage Rate (will vary based on the borrower's credit score and selected term). Maximum loan amount is $30,000. Certain restrictions may apply.
No additional details available.
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Eligible My Link Program Member: 11.99%
No additional details available.
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Rates As Low As; *
$10,000
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$10,000
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Eligible My Link Program Member: 17.50%
Eligible My Link Program Member: 17.50%
Bath Personal Loan Rates
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As Low As
As Low As; Loan Amount: $2501 and Over
As Low As; Loan Amount: $2501 and Over
As Low As; Loan Amount: $2501 and Over
No additional details available.
As Low As; Loan Amount: $2501 and Over
As low as
As Low As; Loan Amount: $2501 and Over
As Low As
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 730, and maximum term is 36 months. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. On a $7,500 loan, the payment would be $238.64 per month for 36 months with a 9.04% APR.
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Eligible My Link Program Member: 8.99%
As Low As; Loan Amount: $2501 and Over
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Eligible My Link Program Member: 9.24%
As Low As; Loan Amount: $2501 and Over
No additional details available.
No additional details available.
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Rates as low as*; Loans for less than $7,500 have a maximum term of 48 months and loans greater than $7,500 have a maximum term of 60 months. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and creditworthiness. All rates and loans are subject to credit approval. Other terms and rates may be available. Contact an SVCU loan officer for more information.
Eligible My Link Program Member: 9.99%
As low as*; *See important disclosures for details.
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$500-$25000
No additional details available.
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No additional details available.
No additional details available.
Eligible My Link Program Member: 11.99%
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Eligible My Link Program Member: 17.50%
Eligible My Link Program Member: 17.50%
Bath Debt Consolidation Loan Rates
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As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As low as
As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As low as*; *See important disclosures for details.
Bath Signature Loan Rates
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As Low As* (Variable) Index Used Prime (plus) 2.99% Floor Up to 60 months The floor equals the margin in effect *Annual Percentage Rate (APR.) and margin for the above loans will vary based on the borrower's credit score and selected term. We use risk based pricing to determine rates. The annual percentage rate may change (increase or decrease) during the term of the loan based on the changes in the interest rate index. The index is the prior quarter's ending prime rate as quoted in the Wall Street Journal, plus a margin. Please contact a Financial Services Representative for more information. Rates are subject to change. Membership eligibility is required. Loan rates are as of July 1, 2026, subject to change daily.
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$75,000 Maximum
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As low as; Annual Percentage Rate (will vary based on the borrower's credit score and selected term). Maximum loan amount is $30,000. Certain restrictions may apply.
No additional details available.
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Bath, ME Personal Loan Rate Trends
Compare local Bath, ME personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Maine personal loan rates rose 0.717 points over the past 7 days to 11.508% APR.
Maine signature loan rates rose 0.728 points over the past 7 days to 11.771% APR.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current ME average personal loan APR of 11.51%, across the terms lenders serving Bath, Maine most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $234.22/mo | $164.90/mo | $130.47/mo | $109.98/mo |
| $10,000 | $468.44/mo | $329.80/mo | $260.93/mo | $219.97/mo |
| $15,000 | $702.66/mo | $494.70/mo | $391.40/mo | $329.95/mo |
| $25,000 | $1,171.10/mo | $824.50/mo | $652.33/mo | $549.92/mo |
| $35,000 | $1,639.54/mo | $1,154.30/mo | $913.26/mo | $769.89/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Bath, Maine
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the ME personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan — ME average | 11.51% | $391.40 | $3,787 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,363 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,897 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,489 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average — check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
About Our Bath, Maine Personal Loan Rate Database
Our Bath, Maine tables currently track 33 banks and credit unions offering personal, debt consolidation, and signature loans to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified personal loan APR in our Bath, Maine database right now is 5.50% APR from Maine Family Federal Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
How to Get the Best Personal Loan Rate in Bath, Maine
Prequalify With a Soft Credit Check
Most lenders serving Bath, Maine will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying — the advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Maine data, and many charge no origination fee. Membership is usually easier than expected — many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle → a secured Bath, Maine auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity → compare home equity rates, though your home becomes collateral
- Not urgent → building the money in a Bath, Maine high-yield savings account costs nothing and earns interest instead of paying it
Bath, Maine Financial Snapshot
Local demographics and economic context for borrowers — Source: U.S. Census Bureau
A $391 monthly loan payment is roughly 11.4% of the median individual income in Bath, Maine. Lenders generally want your total monthly debt payments — including housing — to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Bath, Maine.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid — fixed | ✗ Highest — variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks — appraisal and closing |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt — missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current ME average — or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds — you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bath, Maine personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Bath, Maine directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Bath, Maine. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in ME.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Maine?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Maine?
Are credit unions or banks better for personal loans in Bath, Maine?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Bath, Maine?
- Midcoast Federal Credit Union: 9.74% (Debt Consolidation Loan)
- Maine Family Federal Credit Union: 5.50% (Tractor (Personal use only) Loan)
- Milestones Federal Credit Union: 6.25% (Unsecured Personal / Signature Loan)
- Trademark Federal Credit Union: 6.99% (Personal Loan)
- Cumberland County Federal Credit Union: 7.50% (Personal Loans)
Personal Loan Calculators
