Auto Loans

Find a loan that fits your budget for new or used cars, motorcycles and trucks. Flexible terms, affordable auto loan rates and unbeatable member service.

  • Vehicle Service Contract with roadside assistance, rental benefits, trip interruption services and more through top-rated Auto Exam
  • GAP Plus Coverage, which pays your loan balance if your vehicle is totaled or stolen, also through Auto Exam

  • Debt Protection for unexpected job loss, death, or disability that cancels all or part of your protected loan payment

Maine is s a big state. And if you live and work here, you need a vehicle. You just don’t need the hassle of vehicle finance.

At Dirigo Federal Credit Union, we take away the stress of financing new and used cars, motorcycles and trucks
with the most competitive auto loan rates out there.

Our auto and RV dealer partner network makes it even easier to secure financing. Just let your dealership know you’re a Dirigo member, and they’ll walk you through the process.

Auto Loan Rates

Auto, Truck

YearMax TermInterest RateAnnual Percentage RateMonthly Interest
Payment per $1,000
2023 & Newer844.99%As low as 5.09%$14.18
724.49%As low as 4.60%$15.92
604.24%As low as 4.38%$18.59
484.09%As low as 4.26%$22.69
363.99%As low as 4.21%$29.62
2022 Only725.25%As low as 5.37%$16.28
2019-2022604.85%As low as 4.99%$18.87
2019-2022484.65%As low as 4.82%$22.95
2019-2022364.50%As low as 4.72%$29.85

View Disclosures

Max mileage 100,000

Motorcycle, ATV & Snowmobile

YearMax TermInterest RateAnnual Percentage RateMonthly Interest
Payment per $1,000
2023 & Newer727.25%As low as 7.37%$17.23
606.25%As low as 6.39%$19.51
486.00%As low as 6.17%$23.56
365.60%As low as 5.82%$30.34
2022 Only729.05%As low as 9.17%$18.11
607.05%As low as 7.19%$19.89
2019-2022486.45%As low as 6.62%$23.77
2019-2022366.05%As low as 6.27%$30.55

View Disclosures

Max mileage 25,000

Travel Trailers (RVs) and Boats

YearMax TermInterest RateAnnual Percentage RateMonthly Interest
Payment per $1,000
2023 & Newer1807.80%As low as 7.83%$9.46
1207.65%As low as 7.76%$12.00
847.15%As low as 7.25%$15.22
606.35%As low as 6.49%$19.56
485.60%As low as 5.77%$23.88
2022 Only847.55%As low as 7.65%$15.41
2019-2022606.80%As low as 6.94%$19.77
485.85%As low as 6.02%$23.49

View Disclosures

Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Mainers Say It Best

  • Getting my car loan through Dirigo was a great experience. I got a great rate and everyone was friendly and helpful throughout the whole process.

    – Kevin O'Neil

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    Disclosures

    Membership Eligibility Requirements: An individual must live, work or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York, Maine. Immediate family members of existing Dirigo FCU members are also eligible. $25 opening deposit for membership must be included with funding packet or $25 will be withheld from dealer proceeds.

    Term Restrictions for Travel Trailers (RVs) and Boats
    $25K minimum loan amount for 120-month term
    $35K minimum loan amount for 180-month term

    Restrictions:

    • No salvaged, flood-damaged, Lemon Law, reconstructed or rebranded titles will be financed.
    • Insurance deductibles cannot exceed $1,000. Proof of insurance (full coverage) must list Dirigo FCU as lienholder.
    • Maximum of 45 days to first payment
    • No commercial vehicles will be financed.
    • Approvals are good for 30 days.
    • No straw purchase will be financed.
    • Proof of income (most recent two paystubs) is required for all applicants with a credit score under 680.
    • Current tax returns are required for all self-employed individuals with a credit score under 680.
    • Maximum APR is 18.00%.

    Loan Fees & Cost:
    Document Fee (purchase or new loan)**** $35.00
    Document Fee (refinance from Dirigo)**** $50.00

    All rates subject to change without notice.