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!
Auto Loans
Don't Shop Alone, Auto Assistance is Here to Help
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 September 1, 2021
Year Max Term Interest Rate Annual Percentage Rate Monthly Interest
Payment per $1,000
Auto, Truck
2016 & Newer 84 3.20% 3.25% $13.33
72 2.70% 2.76% $15.08
60 2.45% 2.52% $17.75
48 2.30% 2.38% $21.86
36 2.20% 2.31% $28.78
2015 Only 72 6.65% 6.71% $16.19
2015 Only 60 5.90% 5.97% $19.32
2011-2015 48 5.00% 5.08% $23.07
2011-2015 36 4.90% 5.01% $29.98
Max mileage 125,000
Motorcycle, ATV & Snowmobile
2016 & Newer
72 3.50% 3.56% $15.44
60 3.40% 3.47% $18.18
48 3.25% 3.33% $22.28
36 3.15% 3.26% $29.20
2015 Only 72 6.00% 6.06% $16.60
2015 Only 60 5.75% 5.82% $19.25
2011-2015 48 5.25% 5.33% $23.18
2011-2015 36 5.00% 5.11% $30.02
Max mileage 25,000
Travel Trailers (RVs) and Boats
2016 & Newer 180 5.49% 5.51% $8.18
120 4.49% 4.55% $10.39
84 3.49% 3.54% $13.46
60 3.24% 3.31% $18.11
48 2.99% 3.07% $22.17
2011 to 2015 84 5.50% 5.55% $14.39
60 5.25% 5.32% $19.02
48 5.00% 5.08% $23.07
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats
Interest Rates Effective September 1, 2021
| Year | Max Term | Interest Rate | Annual Percentage Rate | Monthly Interest Payment per $1,000 |
|---|---|---|---|---|
Auto, Truck | ||||
| 2016 & Newer | 84 | 3.20% | 3.25% | $13.33 |
| 72 | 2.70% | 2.76% | $15.08 | |
| 60 | 2.45% | 2.52% | $17.75 | |
| 48 | 2.30% | 2.38% | $21.86 | |
| 36 | 2.20% | 2.31% | $28.78 | |
| 2015 Only | 72 | 6.65% | 6.71% | $16.19 |
| 2015 Only | 60 | 5.90% | 5.97% | $19.32 |
| 2011-2015 | 48 | 5.00% | 5.08% | $23.07 |
| 2011-2015 | 36 | 4.90% | 5.01% | $29.98 |
| Max mileage 125,000 | ||||
Motorcycle, ATV & Snowmobile | ||||
| 2016 & Newer | 72 | 3.50% | 3.56% | $15.44 |
| 60 | 3.40% | 3.47% | $18.18 | |
| 48 | 3.25% | 3.33% | $22.28 | |
| 36 | 3.15% | 3.26% | $29.20 | |
| 2015 Only | 72 | 6.00% | 6.06% | $16.60 |
| 2015 Only | 60 | 5.75% | 5.82% | $19.25 |
| 2011-2015 | 48 | 5.25% | 5.33% | $23.18 |
| 2011-2015 | 36 | 5.00% | 5.11% | $30.02 |
| Max mileage 25,000 | ||||
Travel Trailers (RVs) and Boats | ||||
| 2016 & Newer | 180 | 5.49% | 5.51% | $8.18 |
| 120 | 4.49% | 4.55% | $10.39 | |
| 84 | 3.49% | 3.54% | $13.46 | |
| 60 | 3.24% | 3.31% | $18.11 | |
| 48 | 2.99% | 3.07% | $22.17 | |
| 2011 to 2015 | 84 | 5.50% | 5.55% | $14.39 |
| 60 | 5.25% | 5.32% | $19.02 | |
| 48 | 5.00% | 5.08% | $23.07 |
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.
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.