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Auto Loan Rates in Ellsworth, Maine (ME) for April 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Ellsworth, Maine. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in Ellsworth, Maine include Seaboard Federal Credit UnionSeaboard Federal Credit Union200 Main St, Ellsworth, ME, 04605A5.0 ★Texas Ratio: 10.20% offering Brand New Auto at 4.50%, Maine Savings Federal Credit UnionMaine Savings Federal Credit Union25 Resort Way, Ellsworth, ME, 04605A-4.9 ★Texas Ratio: 16.16% offering New Auto at 5.09%, Coast Line Credit UnionCoast Line Credit UnionA+5.0 ★Texas Ratio: 1.05% offering Auto Loan at 3.95%, Atlantic Regional Federal Credit UnionAtlantic Regional Federal Credit UnionA+5.0 ★Texas Ratio: 2.96% offering Auto Loan at 3.99%, TruGrocer Federal Credit UnionTruGrocer Federal Credit UnionA+5.0 ★Texas Ratio: 2.15% offering Vehicle Loan at 3.99%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Ellsworth has 2 local institutions in our database, with auto loan rates as low as 4.50% APR from Seaboard Federal Credit Union at 200 Main St, Ellsworth, ME, 04605. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Ellsworth, Maine. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Ellsworth, Maine & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Brand New Auto
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.16%
25 Resort Way, Ellsworth, ME, 04605
New Auto
5.09%
10 Months
View
▼
APR5.09%
Term10 Months
Last UpdatedApr 18, 2026
Details

As Low As

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Brand New Auto
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.16%
25 Resort Way, Ellsworth, ME, 04605
Used Auto
5.34%
7 Months
View
▼
APR5.34%
Term7 Months
Last UpdatedApr 18, 2026
Details

As Low As

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
5.65%
72 Months
View
▼
APR5.65%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
5.70%
36 Months
View
▼
APR5.70%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Brand New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
6.70%
72 Months
View
▼
APR6.70%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
7.75%
36 Months
View
▼
APR7.75%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of NADA, Up to 75% of NADA Rebuilts/Salvage GAP, Warranty and Debt Protection are available!

Coast Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Auto Loan
3.95%
24 Months
View
▼
APR3.95%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2023 and Newer

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
View
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As; 24 month to 84 month terms

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Vehicle Loans
3.99%
24 Months
View
▼
APR3.99%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 110% financing

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
New Vehicle Loans
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Vehicle Loans
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 110% financing

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Used Vehicle Loans
4.49%
Up to 48
View
▼
APR4.49%
TermUp to 48
Last UpdatedApr 18, 2026
Details

As Low As

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Vehicle Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 110% financing

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Connected Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Vehicle Loans 2020 & Newer
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
4.60%
48 Months
View
▼
APR4.60%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Coast Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Auto Loan
4.69%
66 Months
View
▼
APR4.69%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2023 and Newer

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
New Vehicle Loans
4.74%
Up to 63 Months
View
▼
APR4.74%
TermUp to 63 Months
Last UpdatedApr 18, 2026
Details

As Low As

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Vehicle Loans
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 110% financing

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.84%
Auto Loans
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Promo rates as low as 4.75% APR* for up to 60 months, with fast approvals.

Downeast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New Auto Loans or Refinance
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Terms up to 84 Months

Downeast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Used Auto Loans or Refinance
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Terms up to 84 Months

Coast Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Auto Loan
4.95%
84 Months
View
▼
APR4.95%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2023 and Newer

NorState Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.25%
Vehicle Loans
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedApr 17, 2026
Details

As Low As

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Auto Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Used Vehicle Loans
4.99%
Up to 63
View
▼
APR4.99%
TermUp to 63
Last UpdatedApr 18, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
New Vehicle Loans
5.24%
Up to 75 Months
View
▼
APR5.24%
TermUp to 75 Months
Last UpdatedApr 18, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Connected Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Vehicle Loans 2020 & Newer
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
5.30%
1 year
View
▼
APR5.30%
Term1 year
Last UpdatedApr 19, 2026
Details

As Low As

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Used Vehicle Loans
5.49%
Up to 75
View
▼
APR5.49%
TermUp to 75
Last UpdatedApr 18, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Coast Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Auto Loan
5.50%
24 Months
View
▼
APR5.50%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2016

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
5.60%
4 years
View
▼
APR5.60%
Term4 years
Last UpdatedApr 19, 2026
Details

As Low As

NorState Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.25%
Vehicle Loans
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Coast Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Auto Loan
5.75%
48 Months
View
▼
APR5.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2016

Connected Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Vehicle Loans 2020 & Newer
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
5.75%
6 years
View
▼
APR5.75%
Term6 years
Last UpdatedApr 19, 2026
Details

As Low As

Coast Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Auto Loan
5.95%
36 Months
View
▼
APR5.95%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2015

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Vehicle Loans
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.00%
24 Months
View
▼
APR6.00%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
New Auto Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1st Time Auto Loans
6.24%
24 Months
View
▼
APR6.24%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.25%
25-36
View
▼
APR6.25%
Term25-36
Last UpdatedApr 18, 2026
Details

As Low As

Coast Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Auto Loan
6.25%
24 Months
View
▼
APR6.25%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As; Model Year: 2014

Connected Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Vehicle Loans 2020 & Newer
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1st Time Auto Loans
6.49%
36 Months
View
▼
APR6.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.50%
37- 48
View
▼
APR6.50%
Term37- 48
Last UpdatedApr 18, 2026
Details

As Low As

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1st Time Auto Loans
6.74%
60 Months
View
▼
APR6.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.75%
49-60
View
▼
APR6.75%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
6.75%
7 years
View
▼
APR6.75%
Term7 years
Last UpdatedApr 19, 2026
Details

As Low As

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
6.99%
96 Months
View
▼
APR6.99%
Term96 Months
Last UpdatedApr 17, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
7.25%
61-72
View
▼
APR7.25%
Term61-72
Last UpdatedApr 18, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
7.75%
73-84
View
▼
APR7.75%
Term73-84
Last UpdatedApr 18, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Brand New Auto
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.16%
25 Resort Way, Ellsworth, ME, 04605
New Auto
5.09%
10 Months
View
▼
APR5.09%
Term10 Months
Last UpdatedApr 18, 2026
Details

As Low As

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Brand New Auto
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Brand New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
New Vehicle Loans
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Connected Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Vehicle Loans 2020 & Newer
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
4.60%
48 Months
View
▼
APR4.60%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
New Vehicle Loans
4.74%
Up to 63 Months
View
▼
APR4.74%
TermUp to 63 Months
Last UpdatedApr 18, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Downeast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New Auto Loans or Refinance
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Terms up to 84 Months

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
New Vehicle Loans
5.24%
Up to 75 Months
View
▼
APR5.24%
TermUp to 75 Months
Last UpdatedApr 18, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Connected Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Vehicle Loans 2020 & Newer
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
5.30%
1 year
View
▼
APR5.30%
Term1 year
Last UpdatedApr 19, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
5.60%
4 years
View
▼
APR5.60%
Term4 years
Last UpdatedApr 19, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Connected Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Vehicle Loans 2020 & Newer
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
5.75%
6 years
View
▼
APR5.75%
Term6 years
Last UpdatedApr 19, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.00%
24 Months
View
▼
APR6.00%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
New Auto Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.25%
25-36
View
▼
APR6.25%
Term25-36
Last UpdatedApr 18, 2026
Details

As Low As

Connected Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Vehicle Loans 2020 & Newer
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.50%
37- 48
View
▼
APR6.50%
Term37- 48
Last UpdatedApr 18, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.75%
49-60
View
▼
APR6.75%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
6.75%
7 years
View
▼
APR6.75%
Term7 years
Last UpdatedApr 19, 2026
Details

As Low As

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
6.99%
96 Months
View
▼
APR6.99%
Term96 Months
Last UpdatedApr 17, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
7.25%
61-72
View
▼
APR7.25%
Term61-72
Last UpdatedApr 18, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
7.75%
73-84
View
▼
APR7.75%
Term73-84
Last UpdatedApr 18, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.16%
25 Resort Way, Ellsworth, ME, 04605
Used Auto
5.34%
7 Months
View
▼
APR5.34%
Term7 Months
Last UpdatedApr 18, 2026
Details

As Low As

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
5.65%
72 Months
View
▼
APR5.65%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
5.70%
36 Months
View
▼
APR5.70%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of MSRP/NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
6.70%
72 Months
View
▼
APR6.70%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of NADA GAP, Warranty and Debt Protection are available!

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
200 Main St, Ellsworth, ME, 04605
Used Auto
7.75%
36 Months
View
▼
APR7.75%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 100% of NADA, Up to 75% of NADA Rebuilts/Salvage GAP, Warranty and Debt Protection are available!

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Used Vehicle Loans
4.49%
Up to 48
View
▼
APR4.49%
TermUp to 48
Last UpdatedApr 18, 2026
Details

As Low As

Downeast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Used Auto Loans or Refinance
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Terms up to 84 Months

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Used Vehicle Loans
4.99%
Up to 63
View
▼
APR4.99%
TermUp to 63
Last UpdatedApr 18, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
5.30%
1 year
View
▼
APR5.30%
Term1 year
Last UpdatedApr 19, 2026
Details

As Low As

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Used Vehicle Loans
5.49%
Up to 75
View
▼
APR5.49%
TermUp to 75
Last UpdatedApr 18, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
5.60%
4 years
View
▼
APR5.60%
Term4 years
Last UpdatedApr 19, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
5.75%
6 years
View
▼
APR5.75%
Term6 years
Last UpdatedApr 19, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.00%
24 Months
View
▼
APR6.00%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.25%
25-36
View
▼
APR6.25%
Term25-36
Last UpdatedApr 18, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.50%
37- 48
View
▼
APR6.50%
Term37- 48
Last UpdatedApr 18, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.75%
49-60
View
▼
APR6.75%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
New/Used Auto Loans
6.75%
7 years
View
▼
APR6.75%
Term7 years
Last UpdatedApr 19, 2026
Details

As Low As

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
6.99%
96 Months
View
▼
APR6.99%
Term96 Months
Last UpdatedApr 17, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
7.25%
61-72
View
▼
APR7.25%
Term61-72
Last UpdatedApr 18, 2026
Details

As Low As

Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
7.75%
73-84
View
▼
APR7.75%
Term73-84
Last UpdatedApr 18, 2026
Details

As Low As

Ellsworth, ME Auto Loan Rate Trends

Compare local Ellsworth, ME 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.

View Full Maine Auto Trends →
New Auto Loan — ME Avg
4.945%
▲ 0.016 vs 7 days ago

Maine new auto rates rose 0.016 points over the past 7 days to 4.945% APR.

Used Auto Loan — ME Avg
5.497%
▼ 0.018 vs 7 days ago

Maine used auto rates fell 0.018 points over the past 7 days to 5.497% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Ellsworth, Maine

How does my credit score affect my car loan rate in Maine?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Ellsworth, Maine with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Maine *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Ellsworth, Maine typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Ellsworth, Maine?

Based on our current data, some of the lowest auto loan rates available in Ellsworth, Maine include:
  • Seaboard Federal Credit Union: 4.50% (Brand New Auto)
  • Maine Savings Federal Credit Union: 5.09% (New Auto)
  • Coast Line Credit Union: 3.95% (Auto Loan)
  • Atlantic Regional Federal Credit Union: 3.99% (Auto Loan)
  • TruGrocer Federal Credit Union: 3.99% (Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Ellsworth, Maine. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

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