Auto Loan Rates in Gray, Maine (ME) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Gray, Maine. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Gray, Maine include Androscoggin Savings BankAndroscoggin Savings Bank24 Portland Rd, Gray, ME, 04039A+5.0 ★Texas Ratio: 2.03% offering Auto Loan at 8.40%, 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%, Evergreen Credit Union Portland, MEEvergreen Credit Union Portland, MEA5.0 ★Texas Ratio: 8.27% offering Vehicle Loan at 3.99%, Seaboard Federal Credit UnionSeaboard Federal Credit UnionA5.0 ★Texas Ratio: 10.20% offering Brand New Auto at 4.50%. Auto loan rates as of May 3, 2026 according to verified data from MonitorBankRates.
Gray has 1 local institution in our database, with auto loan rates as low as 8.40% APR from Androscoggin Savings Bank at 24 Portland Rd, Gray, ME, 04039. 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 Gray, Maine. Auto Loan Rates Last Updated and Verified: May 3, 2026
Compare Auto Loan Rates Today in Gray, Maine & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
8.40%
4 yrs or less
▼
APR8.40%
Term4 yrs or less
Last UpdatedMay 3, 2026
Details
Relationship Pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
8.53%
5 yrs
▼
APR8.53%
Term5 yrs
Last UpdatedMay 3, 2026
Details
Relationship Pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
8.60%
3 yrs or less
▼
APR8.60%
Term3 yrs or less
Last UpdatedMay 3, 2026
Details
Relationship Pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
8.65%
4 yrs
▼
APR8.65%
Term4 yrs
Last UpdatedMay 3, 2026
Details
Relationship Pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
8.86%
3 yrs or less
▼
APR8.86%
Term3 yrs or less
Last UpdatedMay 3, 2026
Details
Relationship Pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
8.88%
5 yrs
▼
APR8.88%
Term5 yrs
Last UpdatedMay 3, 2026
Details
Relationship Pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
9.16%
4 yrs
▼
APR9.16%
Term4 yrs
Last UpdatedMay 3, 2026
Details
Relationship Pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
9.61%
3 yrs or less
▼
APR9.61%
Term3 yrs or less
Last UpdatedMay 3, 2026
Details
Relationship Pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
10.04%
5 yrs
▼
APR10.04%
Term5 yrs
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
10.16%
4 yrs
▼
APR10.16%
Term4 yrs
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
10.29%
5 yrs
▼
APR10.29%
Term5 yrs
Last UpdatedMay 3, 2026
Details
Relationship pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
10.36%
3 yrs or less
▼
APR10.36%
Term3 yrs or less
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
10.39%
5 yrs
▼
APR10.39%
Term5 yrs
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
10.41%
4 yrs or less
▼
APR10.41%
Term4 yrs or less
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
10.61%
3 yrs or less
▼
APR10.61%
Term3 yrs or less
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
10.66%
4 yrs
▼
APR10.66%
Term4 yrs
Last UpdatedMay 3, 2026
Details
Relationship pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
10.87%
3 yrs or less
▼
APR10.87%
Term3 yrs or less
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
11.37%
3 yrs or less
▼
APR11.37%
Term3 yrs or less
Last UpdatedMay 3, 2026
Details
Relationship pricing**
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
12.67%
4 yrs or less
▼
APR12.67%
Term4 yrs or less
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
12.80%
5 yrs
▼
APR12.80%
Term5 yrs
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
12.88%
3 yrs or less
▼
APR12.88%
Term3 yrs or less
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
13.18%
4 yrs
▼
APR13.18%
Term4 yrs
Last UpdatedMay 3, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
24 Portland Rd, Gray, ME, 04039
Auto Loan
13.88%
3 yrs or less
▼
APR13.88%
Term3 yrs or less
Last UpdatedMay 3, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Auto Loan
3.99%
36 Months
▼
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
▼
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
▼
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 Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 110% financing
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 110% financing
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 110% financing
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Brand New Auto
4.50%
36 Months
▼
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!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
4.50%
36 Months
▼
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 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 2, 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
▼
APR4.60%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 2, 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
▼
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
▼
APR4.89%
Term84 Months
Last UpdatedMay 2, 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
▼
APR4.89%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms up to 84 Months
NorState Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.25%
Vehicle Loans
4.99%
24 Months
▼
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
▼
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
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Used Auto
5.00%
36 Months
▼
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!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Brand New Auto
5.15%
72 Months
▼
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!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
5.25%
72 Months
▼
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
▼
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 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.30%
Term1 year
Last UpdatedMay 2, 2026
Details
As Low As; 1 year term
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
Auto Loan
5.60%
4 years
▼
APR5.60%
Term4 years
Last UpdatedMay 2, 2026
Details
As Low As; 4 years term
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Used Auto
5.65%
72 Months
▼
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%
Used Auto
5.70%
36 Months
▼
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%
Brand New Auto
5.75%
84 Months
▼
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!
NorState Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.25%
Vehicle Loans
5.75%
60 Months
▼
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
▼
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
▼
APR5.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Connected Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Vehicle Loans 72 Months
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
Auto Loan
5.75%
6 years
▼
APR5.75%
Term6 years
Last UpdatedMay 2, 2026
Details
As Low As; 6 years term
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Vehicle Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 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%
Up to 24 months
▼
APR6.00%
TermUp to 24 months
Last UpdatedApr 25, 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
▼
APR6.00%
Term72 Months
Last UpdatedApr 25, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
ATV/Vehicle Loan
6.00%
1 year
▼
APR6.00%
Term1 year
Last UpdatedMay 2, 2026
Details
As Low As; 1 year term
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
6.24%
84 Months
▼
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
▼
APR6.24%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 100% financing
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Used Auto
6.25%
84 Months
▼
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!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
6.25%
84 Months
▼
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 months
▼
APR6.25%
Term25-36 months
Last UpdatedApr 25, 2026
Details
As Low As
Connected Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Vehicle Loans 84 Months
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 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
▼
APR6.49%
Term36 Months
Last UpdatedMay 2, 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 months
▼
APR6.50%
Term37- 48 months
Last UpdatedApr 25, 2026
Details
As Low As
Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
ATV/Vehicle Loan
6.50%
4 years
▼
APR6.50%
Term4 years
Last UpdatedMay 2, 2026
Details
As Low As; 4 years term
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Used Auto
6.70%
72 Months
▼
APR6.70%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 100% of NADA GAP, Warranty and Debt Protection are available!
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1st Time Auto Loans
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMay 2, 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 months
▼
APR6.75%
Term49-60 months
Last UpdatedApr 25, 2026
Details
As Low As
Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
ATV/Vehicle Loan
6.75%
6 years
▼
APR6.75%
Term6 years
Last UpdatedMay 2, 2026
Details
As Low As; 6 years term
Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
Auto Loan
6.75%
7 years
▼
APR6.75%
Term7 years
Last UpdatedMay 2, 2026
Details
As Low As; 7 years term
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
6.99%
96 Months
▼
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 months
▼
APR7.25%
Term61-72 months
Last UpdatedApr 25, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Used Auto
7.75%
36 Months
▼
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!
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
7.75%
73-84 months
▼
APR7.75%
Term73-84 months
Last UpdatedApr 25, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Brand New Auto
4.50%
36 Months
▼
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!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
4.50%
36 Months
▼
APR4.50%
Term36 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
4.60%
48 Months
▼
APR4.60%
Term48 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
4.75%
60 Months
▼
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
▼
APR4.89%
Term84 Months
Last UpdatedMay 2, 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
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Brand New Auto
5.15%
72 Months
▼
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!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Brand New Auto
5.75%
84 Months
▼
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!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
New Car/Truck
5.75%
84 Months
▼
APR5.75%
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
6.00%
Up to 24 months
▼
APR6.00%
TermUp to 24 months
Last UpdatedApr 25, 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
▼
APR6.00%
Term72 Months
Last UpdatedApr 25, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
6.24%
84 Months
▼
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 months
▼
APR6.25%
Term25-36 months
Last UpdatedApr 25, 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 months
▼
APR6.50%
Term37- 48 months
Last UpdatedApr 25, 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 months
▼
APR6.75%
Term49-60 months
Last UpdatedApr 25, 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
▼
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 months
▼
APR7.25%
Term61-72 months
Last UpdatedApr 25, 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 months
▼
APR7.75%
Term73-84 months
Last UpdatedApr 25, 2026
Details
As Low As
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Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
New/Used Automobiles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 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
▼
APR4.89%
Term84 Months
Last UpdatedMay 2, 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
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Used Auto
5.00%
36 Months
▼
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!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.00%
36 Months
▼
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
▼
APR5.25%
Term48 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
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Used Auto
5.65%
72 Months
▼
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%
Used Auto
5.70%
36 Months
▼
APR5.70%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 100% of NADA GAP, Warranty and Debt Protection are available!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
5.75%
72 Months
▼
APR5.75%
Term72 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
6.00%
Up to 24 months
▼
APR6.00%
TermUp to 24 months
Last UpdatedApr 25, 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
▼
APR6.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Used Auto
6.25%
84 Months
▼
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!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Used Car/Truck
6.25%
84 Months
▼
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 months
▼
APR6.25%
Term25-36 months
Last UpdatedApr 25, 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 months
▼
APR6.50%
Term37- 48 months
Last UpdatedApr 25, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Used Auto
6.70%
72 Months
▼
APR6.70%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 100% of NADA GAP, Warranty and Debt Protection are available!
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
6.75%
49-60 months
▼
APR6.75%
Term49-60 months
Last UpdatedApr 25, 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
▼
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 months
▼
APR7.25%
Term61-72 months
Last UpdatedApr 25, 2026
Details
As Low As
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Used Auto
7.75%
36 Months
▼
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!
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
New & Used Vehicles
7.75%
73-84 months
▼
APR7.75%
Term73-84 months
Last UpdatedApr 25, 2026
Details
As Low As
Powered by
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Gray, ME Auto Loan Rate Trends
Compare local Gray, 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.
New Auto Loan — ME Avg
5.058%
Unchanged vs 7 days ago
Maine new auto loan rates currently average 5.058% APR.
Used Auto Loan — ME Avg
5.564%
▼ 0.032 vs 7 days ago
Maine used auto rates fell 0.032 points over the past 7 days to 5.564% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Gray, 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 Gray, 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 Gray, 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 Gray, Maine?
Based on our current data, some of the lowest auto loan rates available in Gray, Maine include:
- Androscoggin Savings Bank: 8.40% (Auto Loan)
- Atlantic Regional Federal Credit Union: 3.99% (Auto Loan)
- TruGrocer Federal Credit Union: 3.99% (Vehicle Loan)
- Evergreen Credit Union Portland, ME: 3.99% (Vehicle Loan)
- Seaboard Federal Credit Union: 4.50% (Brand New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Gray, Maine. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 3, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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