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.
Auto Loans
At Dirigo FCU, we make buying a new or used car faster, easier, and less expensive.
Whether you’re financing a new or used car, refinancing your existing loan to save money, or just comparing rates, we make it easy.
Dealer Partners
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.
How can we help you get Started?
Fill out this form to learn how Dirigo can get you an amazing auto loan.
Rates
Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats
Rates Effective September 1, 2020
Year Max Term Rate APR Monthly Payment per $1,000
Auto, Truck
2019 & Newer (Min. $15,000) 84 3.30% 3.35% $13.35
2019 & Newer 72 3.00% 3.06% $15.20
2019 & Newer 60 2.50% 2.57% $17.75
2017-2018 60 2.90% 2.97% $17.93
2014-2016 48 3.75% 3.83% $22.47
2013 & older
36 4.75% 4.86% $29.86
Maximum mileage 125,000
60 month max mile 75,000 max term over 75,000 miles 48 months
Motorcycle, ATV & Snowmobile
2019 & Newer
(Min. $15,000) 72 3.50% 3.56% $15.42
2018 & Newer 60 3.00% 3.07% $17.97
2016 & Newer 48 4.25% 4.33% $22.69
2015 & Older
36 4.90% 5.01% $29.93
Travel Trailers (RVs) and Boats
2019 & Newer
(Minimum $35,000) 180 4.90% 4.91% $7.86
2017 & Newer (Minimum $25,000) 120 4.25% 4.27% $10.24
2016 & Newer 84 3.75% 3.80% $13.55
2013 & Newer 60 4.00% 4.07% $18.42
2012 & Older
48 4.75% 4.83% $22.92
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats
Rates Effective September 1, 2020
| Year | Max Term | Rate | APR | Monthly Payment per $1,000 |
|---|---|---|---|---|
Auto, Truck | ||||
| 2019 & Newer (Min. $15,000) | 84 | 3.30% | 3.35% | $13.35 |
| 2019 & Newer | 72 | 3.00% | 3.06% | $15.20 |
| 2019 & Newer | 60 | 2.50% | 2.57% | $17.75 |
| 2017-2018 | 60 | 2.90% | 2.97% | $17.93 |
| 2014-2016 | 48 | 3.75% | 3.83% | $22.47 |
| 2013 & older | 36 | 4.75% | 4.86% | $29.86 |
| Maximum mileage 125,000 | 60 month max mile 75,000 | max term over 75,000 miles 48 months | ||
Motorcycle, ATV & Snowmobile | ||||
| 2019 & Newer (Min. $15,000) | 72 | 3.50% | 3.56% | $15.42 |
| 2018 & Newer | 60 | 3.00% | 3.07% | $17.97 |
| 2016 & Newer | 48 | 4.25% | 4.33% | $22.69 |
| 2015 & Older | 36 | 4.90% | 5.01% | $29.93 |
Travel Trailers (RVs) and Boats | ||||
| 2019 & Newer (Minimum $35,000) | 180 | 4.90% | 4.91% | $7.86 |
| 2017 & Newer (Minimum $25,000) | 120 | 4.25% | 4.27% | $10.24 |
| 2016 & Newer | 84 | 3.75% | 3.80% | $13.55 |
| 2013 & Newer | 60 | 4.00% | 4.07% | $18.42 |
| 2012 & Older | 48 | 4.75% | 4.83% | $22.92 |