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ME · LOAN-AGMT · Updated July 2026 · Free

Maine Loan Agreement

Review Status: PendingAuthor: Editorial TeamMethodology: Statutory Verification

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Maine at a glance: Usury Cap (Non-Consumer): No limit if agreed in writing · Governing Law: Maine Revised Statutes

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Overview

Loan Agreements in Maine

Maine does not cap interest rates on written contracts unless the loan is a consumer credit transaction under the Maine Consumer Credit Code.
Key Facts

Maine Loan Agreement — Quick Reference

RequirementMaine Rule
Usury Cap (Non-Consumer)No limit if agreed in writing
Governing LawMaine Revised Statutes
Legal Requirements

Maine Legal Requirements

  • Interest rates must be explicitly written in the agreement.
Governing Laws

Maine Governing Laws

Me. Rev. Stat. Tit. 9-B § 432
Interest Rates
General contract interest rules.

Read the full text of these laws at Cornell Law School's Maine legal resources or your state legislature's official website.

Questions & Answers

Maine Loan Agreement — Frequently Asked Questions

What is the default contract interest rate in Maine?

The default rate is 6% per year.