Personal loans in Ellsworth, ME

In Ellsworth, one of 23 Census places in Maine, the figure to compare across lenders is the APR, not the advertised rate. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Ellsworth's 8,711 residents. Verify the lender's Maine licence against the regulator named below before borrowing in Ellsworth. A larger market lies at Brewer, ME about 19 miles away.

Ellsworth by the numbers

Here is the sourced Census picture for Ellsworth, plus the Maine lending rules that apply to a loan taken out here.

• Population: an estimated 8,711 residents, 14th of 23 places in Maine (Census Vintage 2023 subcounty estimate).
• Population trend: About 3.7% above the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a gain of about 313 residents.
• Size percentile: Ellsworth's 8,711 people outrank roughly 39% of the places in Maine.
• Land and density: 79.3 square miles of land carry roughly 110 residents per square mile.
• By land area: Ellsworth ranks 2nd among Maine's 23 places, at 79.3 sq mi.
• Water area: Ellsworth has 14.63 square miles of water, ranking 3rd of 23 places in Maine.
• Within Maine: about 2.2% of the state's population lives in Ellsworth.
• National rank: Ellsworth is the 3,462nd most populous of the 19,457 Census places covered here.
• Growth rank: Ellsworth ranks 1st among Maine's 23 places for the 2020-to-2023 change.
• State comparison: Maine's places average +1.3% for 2020-to-2023, against Ellsworth's 3.7%.
• Density rank: Ellsworth is the 21st most densely settled place in Maine.
• Density vs Maine: Ellsworth's 110 people per square mile compare with a state median of 466.
• Location: coordinates 44.5829, -68.4801 (US Census Bureau Gazetteer).
• Nearest larger cities: Brewer (19 mi); Bangor (23 mi); Waterville (58 mi); Augusta (64 mi); Bath (81 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: Old Town (29 mi); Belfast (29 mi); Rockland (45 mi).
• Within a 50-mile radius: 3 smaller Census places.
• Within 100 miles: 7 places are larger than Ellsworth.

Ellsworth against the rest of Maine

Within Maine, Ellsworth holds roughly 2.2% of all residents, the 14th-largest share among 23 places. On the 2020-to-2023 trend, Ellsworth stands 1st among Maine's 23 places — roughly the 96th percentile. By density, at about 110 people per square mile, it ranks 21st in Maine. In land area, Ellsworth ranks 2nd among Maine's 23 places.

Lender access in Ellsworth

With about 110 residents per square mile, Ellsworth is lightly settled, and 2 larger Census places sit within 50 miles. Lenders licensed in Maine reach Ellsworth's 8,711 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Brewer, ME about 19 miles away.

What a Ellsworth borrower is actually offered

With roughly 8,711 residents, Ellsworth is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Ellsworth can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Ellsworth loan but raises total interest, so the smallest payment is not the cheapest loan.

Land, water and location for Ellsworth

Ellsworth covers about 79.3 square miles of land, with 14.63 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 110 residents per square mile. Portland, the largest place in Maine, is about 107 miles from Ellsworth. Within 50 miles of Ellsworth there are 2 larger Census places. The 100-mile radius contains 7 larger places.

The state rulebook for Ellsworth

Read the table as a lender's compliance picture for Ellsworth: the rule, the sourced figure, the publisher and the date.