Best Personal Loan Rates in Topsham, 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 Topsham, Maine include: Downeast Credit UnionDowneast Credit Union94 Main St, Topsham, ME, 04086A+5.0 ★Texas Ratio: 4.02% offering Recreational Loans at 6.29% APR, Brewer Federal Credit UnionBrewer Federal Credit UnionA+5.0 ★Texas Ratio: 4.43% offering New & Used Loan at 3.99% APR, Lincoln Maine Federal Credit UnionLincoln Maine Federal Credit UnionA5.0 ★Texas Ratio: 11.09% offering Qualified My Linc Program Loan at 4.00% APR, Connected Credit UnionConnected Credit UnionA+5.0 ★Texas Ratio: 1.57% offering Recreational Loans 2020 & Newer at 4.50% APR, and Community Credit UnionCommunity Credit UnionA5.0 ★Texas Ratio: 12.04% offering 1 year Loan at 5.15% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Topsham has 1 local institution in our database, with personal loan rates as low as 6.29% APR from Downeast Credit Union at 94 Main St, Topsham, ME, 04086. 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 Topsham, Maine.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Topsham, 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
Topsham Personal Loan Rates
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Qualifications Required: Must be at current employer for 6 months or more; Must have a DECU checking account open for a minimum of 6 months (Fresh Start excluded); Must have 6 consecutive months of FULL payroll direct deposit into DECU checking; Must be 18 years of age or older; Maximum loan amount is $1,000 ($1,500 max for second-year Whatever borrowers); Convenience of automatic transfer; set up payroll deduction to transfer directly to loan based on frequency of pay. See our Rates Page Call a Loan Officer at any branch for more details.
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As Low As
No credit check
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As Low As
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.
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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; Loan to Value: Up To 110%
As Low As; Unsecured Personal / Signature Loan
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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.
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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; APR*
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As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; Individual loan rates may vary based on credit worthiness, account relationships, loan-to-value and loan terms.
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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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Tiered based on credit score. As of 6/13/25, subject to change at any time.
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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; Consolidation Loan
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As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
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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; 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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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%
As Low As; Loan Amount: $2501 and Over
Maximum Loan to Value: Up to 85%
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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.
Minimum loan amount $500. Maximum loan amount $30,000.
Relationship Pricing**
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Relationship Pricing**
Relationship Pricing**
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
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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%
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As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
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
Minimum loan amount $500. Maximum loan amount $30,000.
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Eligible My Link Program Member: 9.99%
Minimum loan amount $500. Maximum loan amount $30,000.
$500-$25000
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As Low As; *Annual Percentage Rate
Minimum loan amount $500. Maximum loan amount $30,000.
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As Low As; Loan to Value: N/A
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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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Credit Score: 700-739; Max $: $7,500
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Topsham 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.
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; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
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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Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Loan Amount: $2501 and Over
As low as
As Low As; Loan Amount: $2501 and Over
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; APR*
Eligible My Link Program Member: 8.99%
As Low As; Loan Amount: $2501 and Over
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; APR*
As Low As; Loan Amount: $2501 and Over
Eligible My Link Program Member: 9.24%
Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR*
Eligible My Link Program Member: 9.99%
Minimum loan amount $500. Maximum loan amount $30,000.
$500-$25000
Minimum loan amount $500. Maximum loan amount $30,000.
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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.
Topsham 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.
As low as; Maximum Amount: $10,000
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.
Topsham Signature Loan Rates
As Low As; Unsecured Personal / Signature Loan
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Topsham, ME Personal Loan Rate Trends
Compare local Topsham, 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 fell 0.050 points over the past 7 days to 10.969% 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 Topsham, 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 Topsham, 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 Topsham, 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 Topsham, Maine?
What are the best personal loan rates in Topsham, Maine?
- Downeast Credit Union: 6.29% (Recreational Loans)
- Brewer Federal Credit Union: 3.99% (New & Used Loan)
- Lincoln Maine Federal Credit Union: 4.00% (Qualified My Linc Program Loan)
- Connected Credit Union: 4.50% (Recreational Loans 2020 & Newer)
- Community Credit Union: 5.15% (1 year Loan)
Personal Loan Calculators
