Payday Loans Lisbon, ME – Compare Licensed Lenders (2026)

$$2000

Max Loan Amount

Active Lenders

15 min

Approval Time

$10K

Population

Lisbon, Maine, is a charming town with a population of 9,711. Known for its diverse industries, residents enjoy a relatively low cost of living, approximately 10% below the national average, alongside an average income of $52,000. In Lisbon, quick access to payday loans can help with unexpected expenses, whether it’s a car repair or medical bill. Understanding the payday loan landscape is crucial for making informed financial decisions, especially in a community where traditional lending options may be limited.

About Lisbon

Main Industries

$diverse industries

Avg Income

$$52,000

Cost of Living

$$-10% vs national avg

State Regulations

We're gathering the latest payday loan regulations for your state. In the meantime, please review the terms carefully and check with your state's financial regulator.

CFPB Resources:Learn about payday loans

Where to Find Payday Loans in Lisbon

In Lisbon, the lending landscape is quite limited, with no active storefront lenders currently serving the area. This means residents primarily rely on online payday loan options for their financial needs. While this may limit local face-to-face interactions, it allows for a convenient application process from the comfort of one’s home. If you're in need of quick cash, exploring reputable online lenders can provide you with the necessary funds efficiently and securely.

Compare Lenders in Lisbon

Lender	Loan Range	Typical APR	Best For	Apply

Representative Loan Example in Lisbon

Calculation

Loan Amount: $$500

Term: $14 days

APR: $261%

Fee: $$0

Total Repayment: $$500

Effective APR: $0.0%

⚠️ Important Notes

✓ For Lisbon residents earning $$52,000, this payment is 7.3%
✓ Recommended: Keep monthly debt payments below 35% of income
✓ APR varies by lender and creditworthiness
✓ Always compare multiple offers before accepting

Advantages & Disadvantages in Lisbon

✅ Advantages

✓ Process 100% online for convenience
✓ Decision typically within 15 minutes
✓ Available specifically for Lisbon residents
✓ No collateral required for loans
✓ Early repayment options often allowed

❌ Disadvantages

✗ Higher APR than traditional bank loans
✗ Limited local lender options in Lisbon
✗ Credit check may be required for approval
✗ Potential for debt cycle if not managed responsibly

💡 Expert Recommendation for Lisbon Residents

Rostislav Sikora, a loan expert, suggests that Lisbon residents take advantage of the low cost of living when considering payday loans for urgent financial needs. Given that the cost of living is about 10% lower than the national average, short-term payday loans can effectively address immediate expenses. However, be cautious of the high APRs associated with these loans. Before signing, compare APR and ensure payment doesn't exceed 35% of monthly income.

Rostislav Sikora – Loan Comparison Specialist at Credizen

Frequently Asked Questions – Lisbon, ME

How do I get a payday loan in Lisbon, ME?

You can apply for a payday loan online through various lenders. Simply choose a reputable website, fill out the application, and submit the required documentation.

What's the max I can borrow in Lisbon?

In Lisbon, ME, the maximum amount you can borrow through a payday loan is $2,000.

Can I get approved with bad credit in Lisbon?

Yes, many online payday lenders in Lisbon, ME, offer loans to individuals with bad credit, focusing more on your income than your credit history.

Are there storefronts in Lisbon or is it online only?

Currently, there are no storefront lenders in Lisbon; residents will need to use online options for payday loans.

How fast can I get money in Lisbon?

Most online payday loans can be processed within a day, with funds often available in your bank account as soon as the next business day.

What fees can I expect for payday loans in Lisbon, ME?

Payday loans in Lisbon can have a fee cap of 30%, depending on the lender and the terms of the loan.

Is there a waiting period for payday loans in Lisbon?

There is typically no waiting period; approved loans are often funded quickly, allowing immediate access to cash.

What should I consider before taking a payday loan in Lisbon, ME?

Evaluate your repayment ability and ensure the loan payment does not exceed 35% of your monthly income.

What happens if I can't repay my payday loan on time in Lisbon?

Failure to repay a payday loan on time can lead to additional fees or debt collection activities, so it's essential to plan your repayment strategy.

Are there any alternatives to payday loans in Lisbon, ME?

Yes, local credit unions or community programs may offer more affordable options for short-term financial assistance.

Nearby cities in maine

Compare options in nearby maine cities. Rates and approval times can vary by lender.

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Responsible Lending Notice: Payday loans are short-term financial products and should only be used for temporary cash needs. They are not a long-term solution for financial difficulties. Borrowers should consider other options before taking out a payday loan.

Regulatory Information: All lenders displayed serve Lisbon, ME and are regulated by state authorities. For complaints or concerns, contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

Affiliate Disclosure: Credizen.net may earn a commission when you apply through our platform. This helps us keep our service free. We only work with licensed, reputable lenders.

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