Last Updated: 04/18/2025
Maine State CU Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 9.99%(Verified 06/21/2024)
Amount Range
Up to $25,000
Loan Term (Months)
Up to 60
Maine State CU Personal Loans Review
Maine State CU Personal Loans is offered by Maine State Credit Union, a credit union founded in 1935 and based in Augusta, ME. maine state personal loans are available in 50 states and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
maine state personal loans Pros & Cons
| Pros | Cons |
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maine state personal loans FAQ
What interest rates and personal loan terms does maine state personal loans offer?
What interest rates does maine state personal loans offer?
maine state personal loans offers a variable APR personal loan product that starts at 9.99% APR.
What is the maximum loan term you can get with maine state personal loans?
maine state personal loans offers loans with terms of up to 60 months.
| Personal Loan Amount | up to $25000 |
| Loan Term | up to 60 months |
| APR | Starting at 9.99% |
What fees does maine state personal loans charge?
Does maine state personal loans charge an origination fee?
maine state personal loans may charge a personal loan origination fee .
Does maine state personal loans charge a late fee?
maine state personal loans does not disclose whether it charges late payment fees.
Does maine state personal loans charge prepayment fees?
No, maine state personal loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Maine State CU Personal Loans?
Maine State CU Personal Loans does not require or does not disclose a credit score minimum. Maine State CU Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Maine State CU Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Proof of insurance
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Maine State CU Personal Loans report your account activity to credit bureaus?
Yes, Maine State CU Personal Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Maine State Credit Union perform a hard credit pull?
Yes, maine state personal loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are Maine State CU Personal Loans legit?
maine state credit union was founded in 1935, it is a well-established company that has been in business for 91 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 4:30PM
Saturday
Closed