Best Personal Loan Rates in Scarborough, Maine - July 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 Scarborough, Maine include: Saco & Biddeford SavingsSaco & Biddeford Savings41 Gorham Rd, Scarborough, ME, 04074A+5.0 ★Texas Ratio: 4.27% offering New (untitled) - 3 years Loan at 6.53% APR, cPort Credit UnioncPort Credit Union313 US Route 1, Scarborough, ME, 04074A5.0 ★Texas Ratio: 6.67% offering Personal Loans & Debt Consolidation Loans at 6.99% APR, Bangor Savings BankBangor Savings Bank241 Us Route 1, Scarborough, ME, 04074A+5.0 ★Texas Ratio: 2.55% offering Credit Score 780+ Loan at 7.00% APR, Evergreen Credit Union Portland, MEEvergreen Credit Union Portland, ME617 US Route 1, Scarborough, ME, 04074 9714A5.0 ★Texas Ratio: 7.69% offering EasyCash Loan at 8.99% APR, and Town & Country Federal Credit UnionTown & Country Federal Credit Union257 US Route 1, Scarborough, ME, 04074A+5.0 ★Texas Ratio: 2.96% offering Personal Flex Loan at 10.74% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Scarborough has 5 local institutions in our database, with personal loan rates as low as 6.53% APR from Saco & Biddeford Savings at 41 Gorham Rd, Scarborough, ME, 04074. 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 Scarborough, Maine.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Scarborough, 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: July 6, 2026
Scarborough Personal Loan Rates
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As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
Maximum Loan to Value: Up to 85%
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Maximum Loan to Value: Up to 85%
Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
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Maximum Loan to Value: Up to 85%
Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Maximum Loan to Value: Up to 85%
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
No additional details available.
Maximum Loan to Value: Up to 85%
Maximum Loan to Value: Up to 85%
Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Minimum loan amount $500. Maximum loan amount $30,000.
Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Maximum Loan to Value: Up to 85%
Maximum Loan to Value: Up to 85%
Minimum loan amount $500. Maximum loan amount $30,000.
As low as
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
Minimum loan amount $500. Maximum loan amount $30,000.
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Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; *Annual Percentage Rate
Minimum loan amount $500. Maximum loan amount $30,000.
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As Low As; *Annual Percentage Rate
As Low As; *Annual Percentage Rate
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No credit check
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Loan is subject to underwriting, credit qualifications, and approval. Other restrictions may apply. Must be or become a member at Brewer FCU. $3,500 loan for 11 months @ 4.99% = approx. $326 per month.
Rates As Low As; APR*
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Tiered based on credit score. As of 6/13/25, subject to change at any time.
Rates As Low As; APR*
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As Low As
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As Low As; Loan to Value: Up To 110%
As Low As; Unsecured Personal / Signature Loan
As Low As
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As Low As; APR*
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Tiered based on credit score. As of 6/13/25, subject to change at any time.
As Low As; Loan to Value: Up To 110%
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Rates As Low As; APR*
As Low As; APR= Annual Percentage Rate, rates subject to credit approval, terms and conditions subject to change at any time, based on individual creditworthiness. APR = Annual Percentage Rate, "up-to" subject to approval, "starting at" subject to creditworthiness. Accurate as of 12/3/25 subject to change at any time.
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As Low As; Individual loan rates may vary based on credit worthiness, account relationships, loan-to-value and loan terms.
As Low As; APR*
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As Low As
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Tiered based on credit score. As of 6/13/25, subject to change at any time.
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As Low As; Consolidation Loan
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Minimum loan amount of $500; maximum loan amount of $2,000.
As Low As; Loan Amount: $2501 and Over
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As Low As; Loan Amount: $2501 and Over
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As Low As; Loan Amount: $2501 and Over
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As Low As; Loan Amount: $2501 and Over
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Relationship Pricing**
As Low As; Loan Amount: $2501 and Over
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Tiered based on credit score. As of 6/13/25, subject to change at any time.
Relationship Pricing**
Relationship Pricing**
Relationship Pricing**
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Relationship Pricing**
As Low As; APR*
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Relationship Pricing**
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As Low As; Loan Amount: $2501 and Over
Eligible My Link Program Member: 8.99%
As Low As; APR*
Relationship Pricing**
As Low As; Loan Amount: $2501 and Over
Eligible My Link Program Member: 9.24%
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As low as; Maximum Amount: $10,000
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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. Contact an SVCU loan officer for more information.
As Low As; Maximum APR: Up to 18.00% APR
Eligible My Link Program Member: 9.99%
$500-$25000
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As Low As; Loan to Value: N/A
$75,000 Maximum
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Credit Score: 740+; Max $: $10,000
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Eligible My Link Program Member: 11.99%
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Scarborough Personal Loan Rates
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
Minimum loan amount $500. Maximum loan amount $30,000.
Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; *
Minimum loan amount $500. Maximum loan amount $30,000.
Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Individual loan rates may vary based on credit worthiness, account relationships, loan-to-value and loan terms.
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
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As Low As; Loan Amount: $2501 and Over
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As Low As; Loan Amount: $2501 and Over
As Low As; APR*
As Low As; Loan Amount: $2501 and Over
Eligible My Link Program Member: 8.99%
As Low As; APR*
As Low As; Loan Amount: $2501 and Over
Eligible My Link Program Member: 9.24%
No additional details available.
As Low As; APR*
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. Contact an SVCU loan officer for more information.
Eligible My Link Program Member: 9.99%
$500-$25000
As Low As; APR*
As Low As; Loan to Value: N/A
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As Low As; APR*
Eligible My Link Program Member: 11.99%
No additional details available.
Scarborough Debt Consolidation Loan Rates
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
Minimum loan amount $500. Maximum loan amount $30,000.
Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
Minimum loan amount $500. Maximum loan amount $30,000.
Minimum loan amount $500. Maximum loan amount $30,000.
Minimum loan amount $500. Maximum loan amount $30,000.
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As low as; Maximum Amount: $10,000
Scarborough Signature Loan Rates
As Low As; Unsecured Personal / Signature Loan
$75,000 Maximum
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Scarborough, ME Personal Loan Rate Trends
Compare local Scarborough, 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 currently average 11.019% APR.
Maine signature loan rates currently average 12.954% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Scarborough, 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 Scarborough, 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 Scarborough, 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 Scarborough, Maine?
What are the best personal loan rates in Scarborough, Maine?
- Saco & Biddeford Savings: 6.53% (New (untitled) - 3 years Loan)
- cPort Credit Union: 6.99% (Personal Loans & Debt Consolidation Loans)
- Bangor Savings Bank: 7.00% (Credit Score 780+ Loan)
- Evergreen Credit Union Portland, ME: 8.99% (EasyCash Loan)
- Town & Country Federal Credit Union: 10.74% (Personal Flex Loan)
Personal Loan Calculators
