Lincolnville Center, ME Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Lincolnville Center, Maine include Maine Media Federal Credit UnionMaine Media Federal Credit UnionA+5.0 ★Texas Ratio: 5.11% offering NEW Automobiles & Trucks at 2.75%, 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 Used Vehicle Loan at 3.99%, NorState Federal Credit UnionNorState Federal Credit UnionA5.0 ★Texas Ratio: 8.18% offering Vehicle Loans at 4.14%. Auto loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Lincolnville Center borrowers have access to 34 lenders serving the Maine area, with auto loan rates as low as 2.75% APR from Maine Media 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 Lincolnville Center, Maine. Auto Loan Rates Last Updated and Verified: September 9, 2026
Compare Auto Loan Rates Today in Lincolnville Center, Maine & Surrounding Area
Lincolnville Center Auto Loan Rates
100% Financing
100% Financing
100% Financing
As Low As; Model Year: 2023 and Newer
As Low As*
As Low As; Vehicle year 2023 and newer (the vehicle has never been titled other than with dealer); 100% of purchase price maximum; minimum loan amount with 84 months is $25,000
As Low As; Vehicle year 2018-2022; Finance up to 100% of the retail value as quoted in the NADA guide
As low as
100% of NADA/BLUE/KELLY BOOK VALUATION
100% of NADA/BLUE/KELLY BOOK VALUATION
As Low As
Credit Tier: A+
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.
As Low As
As Low As; *
As low as
As low as
As Low As; *
Annual Percentage Rate 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
Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.
As Low As*
Credit Tier: A+
As low as
As low as
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
As low as
As Low As*
As Low As
Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.
As Low As
As Low As; *
Credit Tier: A
As Low As
Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
As low as
As Low As; *
100% Financing
As Low As; *
As Low As
As Low As
As Low As; Model Year: 2023 and Newer
Annual Percentage Rate As Low As
As Low As*
Used vehicles must be listed in the NADA used car guide
As low as
Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.
100% of NADA/BLUE/KELLY BOOK VALUATION
100% of NADA/BLUE/KELLY BOOK VALUATION
As Low As; *
Credit Tier: A+
As low as
As low as
Rates as low as
As low as
As Low As
As Low As*
As Low As
As Low As
Minimum Loan Amount: $2,000
As low as
As Low As; Model Year: 2026-2024
Used vehicles must be listed in the NADA used car guide
Credit Tier: A
As Low As; New Autos (2023 and newer)
As Low As
As Low As; *
As Low As
As low as
As low as
Annual Percentage Rate As Low As
As low as
As Low As; Model Year: 2023-2019
100% of NADA/BLUE/KELLY BOOK VALUATION
100% of NADA/BLUE/KELLY BOOK VALUATION
As Low As; *
As Low As*
As Low As*; over $25,000 only
Used vehicles must be listed in the NADA used car guide
Credit Tier: A+
As Low As; Used Autos (2017 - 2022)
As Low As; Model Year: 2016
As Low As; *
As Low As; Model Year: 2026-2024
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. Other terms and rates may be available. Contact an SVCU loan officer for more information. Minimum loan amount for 0-23 months is $1,000.
As low as
As Low As
As Low As
Minimum Loan Amount: $5,000
Credit Tier: A
As Low As; Model Year: 2016
As Low As
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
As low as
As Low As; Model Year: 2023-2019
As low as
As Low As*
Used vehicles must be listed in the NADA used car guide
Credit Tier: A+
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. Other terms and rates may be available. Contact an SVCU loan officer for more information. Minimum loan amount for 24-47 months is $3,000.
As Low As
Minimum Loan Amount: $12,500
Up to 100% financing
As Low As; Model Year: 2026-2024
As low as
Credit Tier: A
As Low As; Model Year: 2014
As Low As
As low as; APRs shown above are stated as low as and may vary based on make and model of the vehicle. APRs and loan approval are based on collateral type, payment method, creditworthiness and ability to repay. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Other restrictions including vehicle and mileage limitations may apply. For example, a 60-month, fixed-rate Auto Loan for $25,000 would have a monthly payment of $486.46 at an annual percentage rate (APR) of 6.27%. Rates effective as of 08/26/2026. All rates and terms subject to change at any time.
As Low As; Vehicle Year: 2024-2027
As low as
As Low As; Vehicle Year: 2018-2020
Up to 100% financing
As low as
Credit Tier: A+
As low as
As low as
Rates as low as
As Low As; *
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. Other terms and rates may be available. Contact an SVCU loan officer for more information. Minimum loan amount for 48-65 months is $7,500.
As Low As; Model Year: 2023-2019
As Low As; Model Year: 2018-2017
Up to 100% financing
As low as
Credit Tier: A+
As Low As
As Low As; Model Year: 2026-2024
Credit Tier: B
As Low As; Used Autos (2016 and older)
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. Other terms and rates may be available. Contact an SVCU loan officer for more information. Minimum loan amount for 66-83 months is $10,000.
As Low As; Vehicle Year: 2013-2017
As low as
Credit Tier: A
Over $30,000.00
Credit Tier: B
As low as
Credit Tier: C
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. 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 07/20/2026 and is subject to change. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
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. 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 07/20/2026 and is subject to change. 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
Age: New to 1 year old; Relationship Pricing**
Credit Tier: D
Age: New to 1 year old; Relationship Pricing**
Age: 2 - 3 years old; Relationship Pricing**
Age: 2 - 3 years old; Relationship Pricing**
As Low As
Over $20,000.00
Age: 4 - 5 years old; Relationship Pricing**
Age: 2 - 3 years old; Relationship Pricing**
Credit Tier: D
Age: 4 - 5 years old; Relationship Pricing**
Credit Tier: C
Age: 6 - 7 years old; Relationship Pricing**
As Low As; Model Year: 2016-2015
Over $15,000.00
As Low As; Vehicle Year: 2012 & older
As low as; *
Credit Tier: D
Credit Tier: D
Lincolnville Center New Auto Auto Loan Rates
100% Financing
100% Financing
100% Financing
As Low As*
As Low As; Vehicle year 2023 and newer (the vehicle has never been titled other than with dealer); 100% of purchase price maximum; minimum loan amount with 84 months is $25,000
As Low As
As Low As; *
As low as
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.
Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.
As Low As*
As low as
As Low As
As low as
As low as
As Low As*
As Low As
Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.
As Low As
As Low As; *
Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
As low as
As Low As; *
100% Financing
As Low As; *
As Low As*
Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.
As Low As; *
As low as
As Low As
As Low As*
As Low As
As Low As; New Autos (2023 and newer)
As Low As
As Low As; *
As low as
As Low As; *
As Low As*
As Low As*; over $25,000 only
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*
As low as
As Low As
As Low As; Vehicle Year: 2024-2027
As low as
As low as
As Low As; *
As low as
As low as
As low as
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. 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 07/20/2026 and is subject to change. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Lincolnville Center Used Auto Auto Loan Rates
As Low As; Vehicle year 2018-2022; Finance up to 100% of the retail value as quoted in the NADA guide
As low as
100% of NADA/BLUE/KELLY BOOK VALUATION
100% of NADA/BLUE/KELLY BOOK VALUATION
As Low As; *
As low as
As Low As; *
Annual Percentage Rate As Low As
Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.
As low as
Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.
As Low As; *
As Low As; *
As Low As
As Low As
Annual Percentage Rate As Low As
Used vehicles must be listed in the NADA used car guide
As low as
Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.
100% of NADA/BLUE/KELLY BOOK VALUATION
100% of NADA/BLUE/KELLY BOOK VALUATION
As Low As; *
As low as
As low as
As low as
Used vehicles must be listed in the NADA used car guide
As Low As; *
As Low As
As low as
Annual Percentage Rate As Low As
As low as
100% of NADA/BLUE/KELLY BOOK VALUATION
100% of NADA/BLUE/KELLY BOOK VALUATION
As Low As; *
Used vehicles must be listed in the NADA used car guide
As Low As; Used Autos (2017 - 2022)
As Low As; *
As low as
As Low As; Vehicle Year: 2021-2023
As Low As
As low as
As low as
As low as
Used vehicles must be listed in the NADA used car guide
As low as
As low as
As Low As; Vehicle Year: 2018-2020
As low as
As low as
Rates as low as
As Low As; *
As low as
As Low As; Used Autos (2016 and older)
As Low As; Vehicle Year: 2013-2017
As low as
Over $30,000.00
As low as
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. 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 07/20/2026 and is subject to change. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Over $20,000.00
Over $15,000.00
As Low As; Vehicle Year: 2012 & older
As low as; *
Lincolnville Center, ME Auto Loan Rate Trends
Compare local Lincolnville Center, 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 fell 0.011 points over the past 7 days to 5.053% APR.
Maine used auto rates fell 0.033 points over the past 7 days to 5.457% APR.
Lincolnville Center, 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 @ 5.05% APR ME average | Used Auto @ 5.46% APR ME average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.43/mo | $286.22/mo | $2.78/mo |
| $25,000 | $472.39/mo | $477.03/mo | $4.64/mo |
| $35,000 | $661.34/mo | $667.84/mo | $6.50/mo |
| $45,000 | $850.30/mo | $858.65/mo | $8.35/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 Lincolnville Center, Maine
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Lincolnville Center, 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 Lincolnville Center, 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: Lincolnville Center, 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 $567 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 Lincolnville Center, 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 Lincolnville Center, 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 Lincolnville Center, 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 Lincolnville Center, 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 Lincolnville Center, 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 Lincolnville Center, 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 Lincolnville Center, 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 Lincolnville Center, Maine?
- Maine Media Federal Credit Union: 2.75% (NEW Automobiles & Trucks)
- 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% (Used Vehicle Loan)
- NorState Federal Credit Union: 4.14% (Vehicle Loans)
Lincolnville Center, Maine Rates & Resources
