Personal loans in Augusta, ME

Augusta is a small town in Maine, with an estimated 19,102 residents, and every licensed lender here follows the same state rulebook. Population in Augusta climbed about 1.1% over the three years from 2020 to 2023. Begin with the payment, then weigh APR and total interest across the lenders that reach Augusta's 19,102 residents. The closest larger place is Lewiston, ME about 28 miles away.

Augusta: the sourced local profile

Most of what governs a Augusta loan is written in Maine law rather than in the city; the sourced notes below make that split concrete.

• Population: a Census-estimated 19,102, 10th among Maine's 23 places (Vintage 2023).
• Population trend: Roughly 1.1% more residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a gain of about 202 residents.
• Size percentile: about 57% of Maine communities are smaller than Augusta (19,102 residents).
• Population density: about 346 people per square mile across 55.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Augusta covers 55.1 square miles, the 5th-largest area among Maine's 23 places.
• Water area rank: Augusta ranks 11th among Maine's 23 places, with 2.89 sq mi.
• Within Maine: about 4.9% of the state's population lives in Augusta.
• National rank: Augusta is the 1,960th most populous of the 19,457 Census places covered here.
• Growth in Maine: Augusta stands 13th by percentage change from 2020 to 2023, among 23 places.
• Versus Maine: the state average change is +1.3%, while Augusta moved 1.1%.
• Density in Maine: Augusta ranks 17th by people per square mile.
• Against the state median: Augusta runs about 346 residents per square mile, where the Maine median is 466.
• Location: 44.3349 / -69.7342, per the US Census Bureau Gazetteer.
• Nearest larger cities: Lewiston (28 mi); Auburn (31 mi); Westbrook (53 mi); Portland (53 mi); South Portland (56 mi). Larger metros often have more branches, but online lenders reach Augusta on the same terms.
• Smaller places close by: Hallowell (5 mi); Gardiner (10 mi); Waterville (15 mi).
• Within a 50-mile radius: 6 smaller Census places.
• Within 100 miles: 11 places are larger than Augusta.

How lenders reach Augusta

With about 346 residents per square mile, Augusta is lightly settled, and 2 larger Census places sit within 50 miles. What is available to Augusta's 19,102 borrowers is set by Maine licensing and your own credit, not by how many branches are nearby. The nearest larger city, Lewiston, ME about 28 miles away.

Maine consumer-lending rules applied in Augusta

Maine has no separate rate rule for Augusta; the sourced rows below are what reach every lender that serves its 19,102 people.

Before you apply in Augusta

Complete these steps first when you borrow in Augusta (19,102 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the Maine licence with the regulator named above before committing.
5. Make sure the new payment leaves room in a budget you already keep.
6. Pick the shortest term whose payment you can comfortably afford.
7. Borrow only what the purpose requires, not the maximum you are offered.

In Augusta as elsewhere in Maine, the written terms — not the advertisement — are what count for its 19,102 residents.

Land, water and location for Augusta

Augusta's land area is about 55.1 square miles; a further 2.89 square miles is water. The resulting density is about 346 people per square mile. The state's population centre of gravity, Portland, is roughly 53 miles away. Counting outward 50 miles, 2 larger communities surround Augusta. By land area it ranks 5th of 23 Maine places.

How Augusta compares across Maine

Against Maine's other places, Augusta accounts for about 4.9% of the state's population and ranks 10th of 23 by size. On the 2020-to-2023 trend, Augusta stands 13th among Maine's 23 places — roughly the 43th percentile. By density, at about 346 people per square mile, it ranks 17th in Maine. By land area, its 55.1 square miles rank 5th of 23 places in Maine.