Speaking as a Maine Librarian: It depends on your home library. 60+ libraries participate in the Minerva Consortium - lending freely between those libraries using a van delivery system to transport items. A number libraries participate in the Maine Reciprocal Borrowing Program that allows walk-in borrowing (physical card required), some libraries have more local borrowing agreements with other nearby towns. Any resident in Cumberland and York (and some in Oxford) County can get a Portland Public Library Card, and any resident in Maine can get a Maine State Library Card or a Bangor Public Library Card. PPL, BPL, and MSL are all currently part of the ME Reciprocal Borrowing Program. PPL has partner libraries that can issue cards, but MSL and BPL physical cards need to be picked up in person.