Auto Loan Rates in Maine (ME) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Maine include Saco Valley Credit UnionSaco Valley Credit Union312 Main St, Saco, ME, 04072 1515A5.0 ★Texas Ratio: 5.97% offering Titled Vehicle Loan at 3.59%, Evergreen Credit Union Portland, MEEvergreen Credit Union Portland, ME225 Riverside St, Portland, ME, 04103 1038A5.0 ★Texas Ratio: 7.69% offering Vehicle Loans at 3.99%, NorState Federal Credit UnionNorState Federal Credit Union78 Fox St, Madawaska, ME, 04756A5.0 ★Texas Ratio: 11.52% offering Vehicle Loans at 4.14%, Town & Country Federal Credit UnionTown & Country Federal Credit Union557 Main St, South Portland, ME, 04106 5408A+5.0 ★Texas Ratio: 2.96% offering New Vehicle Loans at 4.24%, Connected Credit UnionConnected Credit Union85 Civic Center Drive, AUGUSTA, ME, 04330A+5.0 ★Texas Ratio: 1.57% offering Vehicle Loans 2020 & Newer at 4.50%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Maine side-by-side. Maine auto loan rates currently start as low as 3.59% APR from Saco Valley Credit Union at 312 Main St, Saco, ME, 04072 1515. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Maine. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in Maine
Maine Auto Loan Rates
As Low As; Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Minimum loan amount for 0-23 months is $1,000.
As Low As; Up to 110% financing
As Low As; Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Minimum loan amount for 24-47 months is $3,000.
As Low As; (22-26)
As Low As; Up to 110% financing
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As Low As; Up to 110% financing
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As Low As; Promo rates
As Low As; Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Minimum loan amount for 48-65 months is $7,500.
As Low As; ($10,000 or more) (22-26)
As Low As; Up to 110% financing
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As Low As; Loan to Value: Up To 125%
As Low As; Loan to Value: Up To 125%
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As Low As; Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Minimum loan amount for 66-83 months is $10,000.
As Low As; Model Year: 2026-2024
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As Low As; Model Year: 2023-2019
As Low As; ($30,000 or more) (22-26)
As Low As; Model Year: 2026-2024
As Low As; *Annual Percentage Rate
As Low As; Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Minimum loan amount for 0-23 months is $1,000.
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As Low As; Model Year: 2023-2019
As Low As; Up to 100% financing
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As Low As; Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Minimum loan amount for 24-47 months is $3,000.
As Low As; Model Year: 2026-2024
As Low As; Up to 100% financing
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As Low As; Up to 100% financing
As Low As; Model Year: 2023-2019
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As Low As; Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Minimum loan amount for 48-65 months is $7,500.
As Low As; Model Year: 2018-2017
As Low As; Up to 100% financing
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As Low As; Model Year: 2026-2024
As Low As; Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Minimum loan amount for 66-83 months is $10,000.
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As Low As; Model Year: 2016-2015
Maine New Auto Auto Loan Rates
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As Low As; Loan to Value: Up To 125%
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Maine Used Auto Auto Loan Rates
As Low As; *Annual Percentage Rate
As Low As; Loan to Value: Up To 125%
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Maine Auto Loan Rate Trends
Compare local Maine auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Maine new auto loan rates currently average 4.977% APR.
Maine used auto rates fell 0.345 points over the past 7 days to 4.950% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Maine auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Maine directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Maine. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in ME.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Maine
How does my credit score affect my car loan rate in Maine?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Maine?
- Saco Valley Credit Union: 3.59% (Titled Vehicle Loan)
- Evergreen Credit Union Portland, ME: 3.99% (Vehicle Loans)
- NorState Federal Credit Union: 4.14% (Vehicle Loans)
- Town & Country Federal Credit Union: 4.24% (New Vehicle Loans)
- Connected Credit Union: 4.50% (Vehicle Loans 2020 & Newer)
Auto Loan Rates by City in Maine
