Compare Bank & Credit Union Rates
Best auto loan rates in Maine
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 16–30 of 47 in Maine · median 4.95% APR
- 4.74%APRas low as
Terms
Rate as low as 4.74% APR. Based on creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies. Monthly payment example: For a loan with a 4.74% APR and a 60-month term, the monthly payment will be $18.64 per $1,000 borrowed.
Auto loan score 87 · Carrot Score 78
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 - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25% discount for relationship pricing. Payment per $1,000 is $17.96. As low as rate subject to credit approval.
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Great Falls Federal Credit UnionNew & Used Autos - 2020 & Newer · up to 60 months
Credit union · 2 branches
4.75%APRas low asTerms
Monthly payment $18.76 per $1,000. Interest rate as low as 4.75%.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Terms
Rate is as low as. Rates are determined by credit worthiness of the member, loan amount, and loan term.
Auto loan score 82 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
100% Financing. No in-house refinancing. Applications subject to approval.
Auto loan score 82 · Carrot Score 70
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 - 4.95%APRas low as
Terms
Rate as low as 4.95% APR for eligible borrowers with qualified collateral. Monthly payment of $18.85 per $1,000 borrowed.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
No down payment required.
Auto loan score 83 · Carrot Score 83
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 - 5.00%APRas low as
Terms
Model years 2026-2019. Based on credit score 785 and higher.
Auto loan score 82 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Refinance vehicle loan from another financial institution; requires at least 3 months at current employer; rate based on borrower credit score.
Auto loan score 82 · Carrot Score 85
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 - 5.25%APRas low as
Terms
Monthly payment per $1,000 is $18.99. Rates as low as 5.25% APR.
Auto loan score 77 · Carrot Score 81
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 Maine
47 banks and credit unions · checked Oct 16–22
- Typical
- 4.95%
- Top 10% up to
- 4.39%
- Banks, typical
- 6.33%
- Credit unions, typical
- 4.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Maine
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Maine Family Federal Credit UnionCredit union · 2 branches
- Oxford Federal Credit UnionCredit union · 2 branches
- Dirigo Federal Credit UnionCredit union · 4 branches