Auto Loans

From new and used cars to motorcycles and trucks, we make purchasing a new vehicle fast and easy. With flexible terms, and member service that won’t be beat, you’ll find a loan to meet your transportation needs and fits your budget perfectly.

Don't Shop Alone, Auto Assistance is Here to Help

Are you buying a vehicle soon?  Auto Assistance is our new concierge service that works to help you select and buy just the right vehicle, so you don’t have to shop alone. We can make the buying process easier for you!

We take away the stress of financing a new or used car with the most competitive rates out there!

Most people need a car—yet most don’t like the process of buying one. At Dirigo Federal Credit Union, we take away the stress of financing a new or used car with the most competitive rates out there.

However you get around town, we have a variety of loans to meet your transportation needs. From new and used cars to motorcycles and trucks, we make purchasing a new vehicle fast and easy. With flexible terms, and member service that won’t be beat, you’ll find a loan to meet your transportation needs and fits your budget perfectly.

Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats

Interest Rates Effective June 1, 2021

YearMax Term Annual Percentage RateMonthly Interest
Payment per $1,000

Auto, Truck

2016 & Newer 84As low as 3.35%$13.39
72As low as 3.05%$15.24
60As low as 2.55%$17.80
48As low as 2.45%$21.93
36As low as 2.20%$28.78
2015 Only72As low as 6.65%$16.91
2015 Only60As low as 5.90%$19.32
2011-201548As low as 5.40%$23.25
2011-201536As low as 4.90%$29.98
Max mileage 125,000

Motorcycle, ATV & Snowmobile

2016 & Newer
72As low as 4.35%$15.83
60As low as 3.85%$18.38
48As low as 3.35%$22.33
36As low as 3.10%$29.17
2015 Only72As low as 6.10%$16.65
2015 Only60As low as 5.85%$19.30
2011-201548As low as 5.35%$23.23
2011-201536As low as 5.10%$30.07
Max mileage 25,000

Travel Trailers (RVs) and Boats

2016 & Newer180As low as 5.10%$7.98
120As low as 4.60%$10.47
84As low as 4.35%$13.85
60As low as 4.10%$18.49
48As low as 3.85%$22.55
2011 to 201584As low as 5.35%$14.32
60As low as 5.10%$18.95
48As low as 4.85%$23.00
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Dealer Partners

We’re partnered with several auto and recreational vehicle dealers in Maine to make it that much easier for you to get financing you can trust. All you have to do is let your dealership know that you’re a member of Dirigo, and they’ll walk you through the process.

Vehicle Service Contract

Dirigo’s Vehicle Service Contract (VSC) is through a company named Auto Exam.  VSC programs help protect your budget, they give you peace of mind and give you additional benefits such as roadside assistance, rental benefits, and trip interruption services.

GAP Plus Coverage

Dirigo’s GAP Program (Guaranteed Asset Protection) provides comprehensive coverage for our members. It helps our members bridge the “gap” between the amount they owe on the loan and the amount the automobile insurance company pays if their vehicle becomes totaled or stolen.

New or Used Car Icon
Debt Protection

Dirigo’s Debt Protection Program provides coverage in case of an unexpected job loss, death, or disability that could prevent you from making loan payments. Debt Protection with Life Plus can help by canceling all or part of the protected loan payment or balance, should an incident occur. Calculator for Debt Protection available here.

How can we help you get Started?

Fill out this form to learn how Dirigo can get you an amazing auto loan.

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