Compare Bank & Credit Union Rates
Best auto loan rates in Brewer, ME
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–9 of 9 in Penobscot County, ME · median 4.74% APR
- 4.24%APRas low as
Terms
Rates as low as 4.24% APR vary based on creditworthiness. Applies to 37-60 month term for loans secured by non-commercial passenger vehicles including autos and light-duty trucks, both new and used up to 7 model years old. Minimum loan amount $3,000.
Auto loan score 93 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Collateral year 2022-2026. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
49-60 months. Payment per $1000 financed is $18.65 (60 months). Model Year 2022 and Newer. APR varies based on credit score.
Auto loan score 85 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
New vehicles only. Terms and conditions will vary based on the amount borrowed, creditworthiness, year, and type of vehicle. Sign up for automatic payments and take as much as 0.25% off your loan rate.
Auto loan score 85 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
60 Month New Auto Loans. Model Year 2024 and Newer. New/Refinance. Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Requirements: 21+ debit or credit card transactions per month (transaction count is not a combination of debit and credit card transactions; debit posted within calendar month, credit posted between 27th of previous month and 26th of current month; excludes ATM/cash) and minimum of $1,500 in direct deposit(s) and/or mobile deposit within last 31 days into qualifying account; must maintain open consumer checking account within same membership. Electronic payment indicated; add 1% for non-electronic payment method.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Brewer Federal Credit UnionNew Vehicle Loan (2025 or newer) · up to 60 months
Credit union · 2 branches
4.99%APRas low asTerms
Monthly payment of $18.87 per $1,000. Rates determined by risk-based pricing.
Auto loan score 80 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
Approximate term up to 10 yrs. Terms greater than 84 months have a minimum loan amount of $60,000 with a maximum Loan To Value of 100%. Example APR of 5.14% based on term of 24 months with estimated monthly payment of $43.94 per $1,000.00 borrowed. Loan to value up to 125%. Standard rate; rate may vary depending on credit history and underwriting factors.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Maine Highlands Federal Credit UnionVehicles & Motorcycles - New · 49–72 months
Credit union · 1 branch
5.29%APRas low asTerms
Estimated monthly payment is $16.24 per $1000 borrowed (based on term of 72 months).
Auto loan score 76 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Penobscot County, ME
9 banks and credit unions · checked Oct 3–22
- Typical
- 4.74%
- Top 10% up to
- 4.45%
- Credit unions, typical
- 4.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Bangor, ME metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Lincoln Maine FCUCredit union · 1 branch
- The County Federal Credit UnionCredit union · 3 branches
- Bangor Federal Credit UnionCredit union · 3 branches