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 31–45 of 47 in Maine · median 4.95% APR
- 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Automatic payment required for lowest rate offered. Payment per $1,000 is $18.99.
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - Maine Highlands Federal Credit UnionVehicles & Motorcycles - New · 49–72 months
Credit union · 6 branches
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 - 5.45%APRas low as
Terms
As low as rate based on personal creditworthiness.
Auto loan score 75 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 10.50%
5.50% APR, up to 10.50%
Terms
Rates by credit tier: A+ (730+) 5.50%, A (680-729) 5.75%, B (630-679) 6.50%, C (600-629) 8.25%, D (599 and below) 10.50%. Stated rates are for New collateral.
Auto loan score 66 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as
Terms
Secured loans 72-83 months require a loan amount minimum of $15k.
Auto loan score 68 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as
Terms
For up to 60 months available on year models 2025, 2024, 2023, 2022, and 2021. Rates based on creditworthiness. Rate discounts can be applied, but cannot cause the rate to fall below the 5.70% APR minimum. May require little or no down payment. Payment example: loan of $10,000 at 5.70% APR for 60 months has monthly payment of $191.90.
Auto loan score 70 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: 2026-2024. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing.
Auto loan score 69 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Monthly payment per $1000 is $19.22. Titled passenger vehicles new and used up to 10 model years old.
Auto loan score 69 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.98%APRas low as · up to 7.23%with conditions
5.98% APR, up to 7.23%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Age of Auto: NEW to 5 Years. Payment per $1,000 of loan, per month is $19.27 to $19.86. Lowest rate assumes automatic payment deduction from a Bath Savings deposit account, combined deposit relationship of $10,000+, and credit score >= 750. APR calculated on a $10,000 loan including $45.00 origination fee.
Auto loan score 67 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - New Dimensions Federal Credit UnionAuto Secured Loans (Non-Real Estate) · up to 60 months
Credit union · 4 branches
5.99%APRas low asTerms
Rate is as low as; APR varies based on credit score and selected term. Monthly payment per $1,000 borrowed is $19.33.
Auto loan score 66 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Vehicle Year: 2021-2023. Payments Per $1000 Per Month of Repayment: $16.57.
Auto loan score 66 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.43%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: 2021 and newer. 5 Yr term (60 payments). Monthly payment of $388.99 based on a loan amount of $20,000 with 0 points. Rate based on automatic payment withdrawal from an Auburn Savings deposit account (may increase by 1/4% if discontinued). Subject to credit approval.
Auto loan score 63 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.78%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New (untitled). Includes a 0.25% relationship discount for automatic payments from Mutual Checking or Mutual Interest Checking. Example payment: 60 monthly payments @ $16.67 per $1,000 borrowed.
Auto loan score 61 · Carrot Score 77
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