Kenduskeag, Maine Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Kenduskeag, Maine include Town & Country Federal Credit UnionTown & Country Federal Credit UnionA+5.0 ★Texas Ratio: 1.56% offering New Vehicle Loans at 3.60%, Coast Line Credit UnionCoast Line Credit UnionA+5.0 ★Texas Ratio: 1.13% offering Auto Loan at 3.95%, Katahdin Federal Credit UnionKatahdin Federal Credit UnionA+5.0 ★Texas Ratio: 2.99% offering New Vehicle --(Model Year 2022 and Newer) Loan at 3.99%, Brewer Federal Credit UnionBrewer Federal Credit UnionA+5.0 ★Texas Ratio: 0.53% offering New (2025 or newer) Auto Loan at 3.99%, Evergreen Credit Union Portland, MEEvergreen Credit Union Portland, MEA5.0 ★Texas Ratio: 7.92% offering Vehicle Loans at 3.99%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Kenduskeag borrowers have access to 34 lenders serving the Maine area, with auto loan rates as low as 3.60% APR from Town & Country Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Kenduskeag, Maine. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Kenduskeag, Maine & Surrounding Area
Kenduskeag Auto Loan Rates
Rate reflects .25% discount for relationship pricing.
Rate reflects .25% discount for relationship pricing.
As Low As; Model Year: 2023 and Newer
As Low As; Model Year: 2023 and Newer
As Low As; Model Year: 2023 and Newer
As Low As; Model Year: 2023 and Newer
As Low As; Vehicle year 2023 and newer (the vehicle has never been titled other than with dealer); 100% of purchase price; minimum loan amount with 84 months is $25,000; Collision and comprehensive insurance required; Debt Protection available; GAP protection available; Route 66 mechanical breakdown protection is available
As low as; New (2025 or newer)
Loan-to-Value: Up to 110% financing; As low as
Model Year: 2022-2026
Model Year: 2022-2026
Model Year: 2022-2026
As Low As
Credit Tier: A+
As low as; New (2025 or newer)
Loans subject to credit approval and rates will vary based on credit worthiness. Stated rate applies to 37-60 month term for loans secured by non-commercial passenger vehicles including Autos, and Light Duty Trucks both NEW and USED up to 7 model years old. Minimum loan amount $3,000. Additional terms and conditions apply.
As Low As
Loan-to-Value: Up to 110% financing; As low as
As low as
As low as
Model Year: 2022-2026
As Low As
As Low As; Ask about how you can qualify for our Auto Pay discount of up to 0.50%. Terms and conditions apply.
Minimum Loan Amount: $1,000
As low as; New (2025 or newer)
As Low As
As Low As
As Low As
As Low As
Loan-to-Value: Up to 110% financing; As low as
Credit Tier: A+
Credit Tier: A
As low as
As low as
New; Rates as low as
As Low As
As Low As; Additional discounts may apply
As Low As
As Low As; Model Year: 2023 and Newer
As Low As; Model Year: 2023 and Newer
As Low As
As Low As
Model Year: 2022-2026
As Low As
As low as; New (2025 or newer)
As Low As
Loan-to-Value: Up to 110% financing; As low as
As Low As
Credit Tier: A
As Low As
As Low As
Loan to Value: Up To 125%; As Low As
Rates As Low As; *
Rates As Low As; *
Rates As Low As; *
Loan to Value: Up To 125%; As Low As
As Low As
As Low As; Model Year: 2023 and Newer
As Low As
As Low As*
As Low As*
As Low As
Credit Tier: A+
As low as
As low as
New; Rates as low as
As Low As
As Low As
As Low As*
As Low As
As Low As
Minimum Loan Amount: $2,000
Minimum Loan Amount: $3,000
Model Year: 2026-2024; As Low As
Credit Tier: A
Credit Tier: B
As Low As; 2023 and newer
As Low As
Rates As Low As; *
Rates As Low As; *
As Low As
As Low As
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Model Year: 2022-2026
As Low As
As low as; New (2025 or newer)
Model Year: 2023-2019; As Low As
As Low As*
over $25,000 only
Credit Tier: A+
Credit Tier: B
As Low As; 2017 - 2022
As Low As; Model Year: 2016
As Low As; Model Year: 2016
Rates As Low As; *
Model Year: 2026-2024; As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Rates as low as*; Minimum loan amount for 0-23 months is $1,000.
As Low As
As Low As
As Low As
Minimum Loan Amount: $5,000
Minimum Loan Amount: $7,500
Credit Tier: A
As Low As; Model Year: 2016
As Low As; Model Year: 2015
As low as; Loan Amount: $2,000
As Low As
Over $30,000.00
As low as; Vehicle Year: 2021-2023
As Low As
As Low As
As Low As
As Low As; Model Year: 2015
Model Year: 2023-2019; As Low As
As low as
As Low As*
Credit Tier: A+
Credit Tier: B
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Rates as low as*; Minimum loan amount for 24-47 months is $3,000.
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As
Minimum Loan Amount: $12,500
Minimum Loan Amount: $25,000
Loan-to-Value: Up to 100% financing
Model Year: 2026-2024; As Low As
As low as
Credit Tier: A
As Low As; Model Year: 2014
As Low As
As low as; Vehicle Year: 2024-2027
As Low As
As low as; Vehicle Year: 2018-2020
Loan-to-Value: Up to 100% financing
Loan-to-Value: Up to 100% financing
As low as
Credit Tier: A+
Credit Tier: B
As low as
As low as
Used; Rates as low as
Rates As Low As; *
Rates as low as*; Minimum loan amount for 48-65 months is $7,500.
Model Year: 2023-2019; As Low As
Model Year: 2018-2017; As Low As
Loan-to-Value: Up to 100% financing
As low as
Credit Tier: A+
Credit Tier: A
Credit Tier: C
As low as; Loan Amount: $8,000
Model Year: 2026-2024; As Low As
Credit Tier: B
As Low As; 2016 and older
Rates as low as*; Minimum loan amount for 66-83 months is $10,000.
As low as; Vehicle Year: 2013-2017
As low as
Credit Tier: A
Credit Tier: C
Over $30,000.00
Credit Tier: B
As low as
Credit Tier: C
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Credit Tier: B
Credit Tier: C
As low as; Loan Amount: $10,000
Age (based on model year): New to 1 year old; Relationship Pricing**
Credit Tier: D
Age (based on model year): New to 1 year old; Relationship Pricing**
Kenduskeag New Auto Auto Loan Rates
Rate reflects .25% discount for relationship pricing.
As Low As; Vehicle year 2023 and newer (the vehicle has never been titled other than with dealer); 100% of purchase price; minimum loan amount with 84 months is $25,000; Collision and comprehensive insurance required; Debt Protection available; GAP protection available; Route 66 mechanical breakdown protection is available
As low as; New (2025 or newer)
As Low As
As low as; New (2025 or newer)
Loans subject to credit approval and rates will vary based on credit worthiness. Stated rate applies to 37-60 month term for loans secured by non-commercial passenger vehicles including Autos, and Light Duty Trucks both NEW and USED up to 7 model years old. Minimum loan amount $3,000. Additional terms and conditions apply.
As low as
As Low As; Ask about how you can qualify for our Auto Pay discount of up to 0.50%. Terms and conditions apply.
As low as; New (2025 or newer)
As Low As
As Low As
As Low As
As low as
As Low As
As Low As
As Low As
As Low As
As low as; New (2025 or newer)
As Low As
As Low As
As Low As
Loan to Value: Up To 125%; As Low As
Rates As Low As; *
Rates As Low As; *
Rates As Low As; *
As Low As*
As Low As*
As Low As
As low as
As Low As
As Low As*
As Low As
As Low As; 2023 and newer
As Low As
Rates As Low As; *
Rates As Low As; *
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As low as; New (2025 or newer)
As Low As*
over $25,000 only
Rates As Low As; *
As Low As
As Low As
As Low As
Over $30,000.00
As Low As
As low as
As Low As*
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As low as
As Low As
As low as
As low as
Rates As Low As; *
As low as
As low as
As low as
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Kenduskeag Used Auto Auto Loan Rates
Rate reflects .25% discount for relationship pricing.
Loans subject to credit approval and rates will vary based on credit worthiness. Stated rate applies to 37-60 month term for loans secured by non-commercial passenger vehicles including Autos, and Light Duty Trucks both NEW and USED up to 7 model years old. Minimum loan amount $3,000. Additional terms and conditions apply.
As low as
As Low As
As Low As
As Low As
As Low As
As low as
As Low As
Rates As Low As; *
Rates As Low As; *
Rates As Low As; *
Loan to Value: Up To 125%; As Low As
As Low As
As Low As
As Low As
As low as
As Low As
Rates As Low As; *
Rates As Low As; *
As Low As
As Low As
As Low As
As Low As; 2017 - 2022
Rates As Low As; *
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As
As Low As
As Low As
As low as
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As low as
As Low As
As low as
As low as
Used; Rates as low as
Rates As Low As; *
As low as
As Low As; 2016 and older
As low as
Over $30,000.00
As low as
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Kenduskeag, ME Auto Loan Rate Trends
Compare local Kenduskeag, 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.
Maine new auto rates rose 0.190 points over the past 7 days to 5.021% APR.
Maine used auto rates rose 0.029 points over the past 7 days to 5.430% APR.
Kenduskeag, ME Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Maine figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Maine APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.02% APR ME average | Used Auto @ 5.43% APR ME average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.21/mo | $286.03/mo | $2.82/mo |
| $25,000 | $472.02/mo | $476.72/mo | $4.70/mo |
| $35,000 | $660.83/mo | $667.41/mo | $6.58/mo |
| $45,000 | $849.64/mo | $858.09/mo | $8.46/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Kenduskeag, Maine
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Kenduskeag, Maine locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Maine. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Kenduskeag, Maine high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Kenduskeag, Maine CD rates lock in a guaranteed return until you’re ready to buy
Maine Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $566 monthly car payment works out to roughly 15.3% of the median individual income in Maine. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Kenduskeag, Maine, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Kenduskeag, Maine. We’ve prefilled the APR with today’s ME new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kenduskeag, 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 Kenduskeag, 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 Kenduskeag, 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 Kenduskeag, 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?
Should I get preapproved for an auto loan before visiting a dealer in Kenduskeag, Maine?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Kenduskeag, Maine?
- Town & Country Federal Credit Union: 3.60% (New Vehicle Loans)
- Coast Line Credit Union: 3.95% (Auto Loan)
- Katahdin Federal Credit Union: 3.99% (New Vehicle --(Model Year 2022 and Newer) Loan)
- Brewer Federal Credit Union: 3.99% (New (2025 or newer) Auto Loan)
- Evergreen Credit Union Portland, ME: 3.99% (Vehicle Loans)
Kenduskeag, Maine Rates & Resources
