Orient, Maine Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Orient, Maine auto loan rates from lenders serving Maine range from 3.95% to 9.16% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Orient, Maine include Coast Line Credit UnionCoast Line Credit UnionA+5.0 ★Texas Ratio: 0.47% offering Auto Loan at 3.95%, Atlantic Regional Federal Credit UnionAtlantic Regional Federal Credit UnionA+5.0 ★Texas Ratio: 3.78% offering New/Used Automobiles at 3.99%, Katahdin Federal Credit UnionKatahdin Federal Credit UnionA+5.0 ★Texas Ratio: 4.02% offering New Vehicle (Model Year 2022 and Newer) Loan at 3.99%, Evergreen Credit Union Portland, MEEvergreen Credit Union Portland, MEA5.0 ★Texas Ratio: 9.45% offering Vehicle Loans at 3.99%, NorState Federal Credit UnionNorState Federal Credit UnionA5.0 ★Texas Ratio: 9.81% offering Vehicle Loans at 4.24%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Orient borrowers have access to 34 lenders serving the Maine area, with auto loan rates as low as 3.95% APR from Coast Line 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 Orient, Maine. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Orient, Maine & Surrounding Area
Orient Auto Loan Rates
Model Year: 2023 and Newer; As Low As
- Sep 18, 20263.95%▼ from 6.25%
- Sep 14, 20266.25%first recorded
Model Year: 2023 and Newer; As Low As
- Sep 18, 20263.95%▼ from 5.95%
- Sep 14, 20265.95%first recorded
Model Year: 2023 and Newer; As Low As
Model Year: 2023 and Newer; As Low As
As low as
As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
Loan-to-Value: Up to 110% financing
As Low As
- Sep 25, 20264.24%▲ from 4.14%
- Sep 16, 20264.14%first recorded
As Low As
- Sep 25, 20264.24%▲ from 4.14%
- Sep 16, 20264.14%first recorded
As Low As
- Sep 25, 20264.24%▲ from 4.14%
- Sep 16, 20264.14%first recorded
As low as
As low as
As Low As; Rate reflects .25% discount for relationship pricing
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; Stated rate applies to 37-60 month term for loans secured by non-commercial passenger vehicles (new and used Autos and Light Duty Trucks up to 7 model years old); Minimum loan amount $3,000; Effective date September 1, 2026; Apply online
As Low As; Down payment required:; Effective As of 10/09/2026
Loan-to-Value: Up to 110% financing
As Low As
As Low As
- Sep 25, 20264.49%▲ from 4.39%
- Sep 16, 20264.39%first recorded
As Low As; Rate reflects .25% discount for relationship pricing
As Low As; Minimum Loan Amount: $1,000; Interest rates apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 10 model years old and non-titled recreation boats up to 10 model years old
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; Rates effective as of October 7, 2026; APR varies by creditworthiness, term and collateral
As Low As; Used vehicle loan; APR varies by borrower creditworthiness
As Low As; Down payment required:; Effective As of 10/09/2026
Loan-to-Value: Up to 110% financing
As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As Low As
As Low As; Column: New; Add 0.25% to rate if NOT paid via payroll deduction; Minimum financing of $15,000 is required for vehicle loans over 60 months
As Low As; Vehicle model year 2021 & Newer; Automatic payment required for lowest rate offered
As low as; additional discounts may apply
As Low As; Rates effective 5/21/2026
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.60%▲ from 4.25%
- Sep 17, 20264.25%first recorded
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.60%▲ from 4.25%
- Sep 17, 20264.25%first recorded
Model Year: 2023 and Newer; As Low As
Model Year: 2023 and Newer; As Low As
As Low As; Effective As of 05/29/2026
- Oct 13, 20264.69%▼ from 4.74%
- Oct 9, 20264.74%▲ from 4.69%
- Sep 14, 20264.69%first recorded
As Low As; Rates effective 5/21/2026
As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As Low As
As low as
As Low As; Rate reflects .25% discount for relationship pricing
As Low As; Rates effective as of October 7, 2026; APR varies by creditworthiness, term and collateral
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.74%▲ from 4.49%
- Sep 22, 20264.49%first recorded
Loan-to-Value: Up to 110% financing
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.75%▲ from 4.45%
- Sep 17, 20264.45%first recorded
Auto loan; model year 2023 - 2026
% Above Index: blank
As Low As; Effective As of 05/29/2026
- Oct 13, 20264.84%▼ from 4.99%
- Oct 9, 20264.99%▲ from 4.84%
- Sep 14, 20264.84%first recorded
As Low As; Rates effective 5/21/2026
Auto loan; model year 2023 - 2026
As Low As; Loan to Value: Up To 125%; Terms greater than 84 months have a minimum loan amount of $60,000 with a maximum Loan To Value of 100%
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Loan to Value: Up To 125%
As Low As
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.95%▲ from 4.75%
- Sep 17, 20264.75%first recorded
Model Year: 2023 and Newer; As Low As
As Low As; Rate reflects .25% discount for relationship pricing
As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
Auto loan; model year 2023 - 2026
Terms may vary, subject to qualification
As Low As; Rates effective as of October 7, 2026; APR varies by creditworthiness, term and collateral
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As
As Low As; Column: New; Add 0.25% to rate if NOT paid via payroll deduction; Minimum financing of $15,000 is required for vehicle loans over 60 months
Auto loan; model year 2023 - 2026
As Low As; Rates effective 5/21/2026
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As Low As
As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
As Low As; Effective As of 05/29/2026
- Oct 13, 20265.15%▼ from 5.24%
- Oct 9, 20265.24%▲ from 5.15%
- Sep 14, 20265.15%first recorded
As Low As; Rate reflects .25% discount for relationship pricing
As Low As; Minimum Loan Amount: $2,000; Interest rates apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 10 model years old and non-titled recreation boats up to 10 model years old
As Low As; Minimum Loan Amount: $3,000; Interest rates apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 10 model years old and non-titled recreation boats up to 10 model years old
As Low As; Rates effective as of October 7, 2026; APR varies by creditworthiness, term and collateral
As Low As; Used vehicle loan; APR varies by borrower creditworthiness
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20265.25%▲ from 5.00%
- Sep 17, 20265.00%first recorded
As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
As Low As; Membership eligibility required
Terms may vary, subject to qualification
As Low As; Vehicle model year 2021 & Newer; Automatic payment required for lowest rate offered
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
% Above Index: blank
Additional APR listed for this product: 6.29%.
As Low As
As Low As; Rates effective 5/21/2026
As Low As; Rates effective 5/21/2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Rate reflects .25% discount for relationship pricing
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; Used vehicle loan; APR varies by borrower creditworthiness
Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
As Low As; Loan amount over $25,000 only; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
As Low As; Membership eligibility required
Terms may vary, subject to qualification
Model Year: 2016; As Low As
- Sep 18, 20265.50%▼ from 6.25%
- Sep 14, 20266.25%first recorded
Model Year: 2016; As Low As
- Sep 18, 20265.50%▼ from 5.95%
- Sep 14, 20265.95%first recorded
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As low as*; These rates apply to non-titled vehicles including: motorcycles under 300cc, boats, personal watercraft, snowmobiles, ATVs, trailers under 3,000 lbs and other chattel (collateral secured by UCC). Rates are effective 08/05/2025 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and credit worthiness. All rates and loans are subject to credit approval. 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. Payment Examples: 23 month term auto loan: $25,000 at 23 months at 5.49% interest rate = 22 payments of $1148.81 per month with a final payment of $1148.57 includes a $25 document fee; 5.59%APR and Minimum loan amount for 0-23 months is $1,000.
As Low As; Rates effective 5/21/2026
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As
- Sep 25, 20265.69%▲ from 5.49%
- Sep 16, 20265.49%first recorded
As Low As; Rate reflects .25% discount for relationship pricing
As Low As; Minimum Loan Amount: $5,000; Interest rates apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 10 model years old and non-titled recreation boats up to 10 model years old
As Low As; Minimum Loan Amount: $7,500; Interest rates apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 10 model years old and non-titled recreation boats up to 10 model years old
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; Used vehicle loan; APR varies by borrower creditworthiness
Model Year: 2026-2024
- Oct 1, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20265.75%▲ from 5.50%
- Sep 17, 20265.50%first recorded
Model Year: 2016; As Low As
Model Year: 2015; As Low As
- Sep 18, 20265.75%▼ from 6.25%
- Sep 14, 20266.25%first recorded
As Low As; Vehicle model year 2021 & Newer; Automatic payment required for lowest rate offered
Loan amount: Over $30,000.00
As Low As
As Low As; Rates effective 5/21/2026
As Low As; Rates effective 5/21/2026
Model Year: 2015; As Low As
As Low As; Rates effective as of October 7, 2026; APR varies by creditworthiness, term and collateral
Model Year: 2023-2019
- Oct 1, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Payment per $1,000 not extracted
As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
Unlabeled homepage carousel value; rate type (interest rate vs APR) not stated
Model Year: 2026-2024
- Oct 1, 20266.04%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as*; These rates apply to non-titled vehicles including: motorcycles under 300cc, boats, personal watercraft, snowmobiles, ATVs, trailers under 3,000 lbs and other chattel (collateral secured by UCC). Rates are effective 08/05/2025 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and credit worthiness. All rates and loans are subject to credit approval. 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. Payment Examples: 47 month term auto loan: $25,000 at 47 months at 5.99% interest rate = 46 payments of $598.72 per month with a final payment of $598.31 includes a $25 document fee; 6.04%APR and Minimum loan amount for 24-47 months is $3,000.
As Low As; Effective As of 05/29/2026
- Oct 13, 20266.19%▼ from 6.24%
- Oct 9, 20266.24%▲ from 6.19%
- Sep 14, 20266.19%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As low as
As Low As; Minimum Loan Amount: $12,500; Interest rates apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 10 model years old and non-titled recreation boats up to 10 model years old
As Low As; Minimum Loan Amount: $25,000; Interest rates apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 10 model years old and non-titled recreation boats up to 10 model years old
As Low As; Used vehicle loan; APR varies by borrower creditworthiness
Loan-to-Value: Up to 100% financing
As Low As; Payment per $1,000 not extracted
Model Year: 2014; As Low As
As Low As; Vehicle model year 2021 & Newer; Automatic payment required for lowest rate offered
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Rates effective 5/21/2026
Loan-to-Value: Up to 100% financing
Loan-to-Value: Up to 100% financing
Model Year: 2023-2019
- Oct 1, 20266.49%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Payment per $1,000 not extracted
As Low As
As Low As; Column: Used; Add 0.25% to rate if NOT paid via payroll deduction
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As low as*; These rates apply to non-titled vehicles including: motorcycles under 300cc, boats, personal watercraft, snowmobiles, ATVs, trailers under 3,000 lbs and other chattel (collateral secured by UCC). Rates are effective 08/05/2025 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and credit worthiness. All rates and loans are subject to credit approval. 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. Payment Examples: 65 month term auto loan: $25,000 at 65 months at 6.49% interest rate = 64 payments of $457.72 per month with a final payment of $457.00 includes a $25 document fee; 6.53%APR and Minimum loan amount for 48-65 months is $7,500.
Loan-to-Value: Up to 100% financing
Model Year: 2026-2024
- Oct 1, 20266.74%▲ from 6.54%
- Sep 14, 20266.54%first recorded
As Low As; Payment per $1,000 not extracted
Additional APR listed for this product: 7.79%.
As low as
As Low As; APR varies by credit score and selected term; risk-based pricing; membership eligibility required
As Low As; Membership eligibility required
As low as*; These rates apply to non-titled vehicles including: motorcycles under 300cc, boats, personal watercraft, snowmobiles, ATVs, trailers under 3,000 lbs and other chattel (collateral secured by UCC). Rates are effective 08/05/2025 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and credit worthiness. All rates and loans are subject to credit approval. 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. Payment Examples: 83 month term auto loan: $25,000 at 83 months at 6.99% interest rate = 82 payments of $381.16 per month with a final payment of $380.88 includes a $25 document fee; 7.02%APR and Minimum loan amount for 66-83 months is $10,000.
Model Year: 2023-2019
- Oct 1, 20267.04%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Model Year: 2018-2017
- Oct 1, 20267.14%▲ from 6.64%
- Sep 14, 20266.64%first recorded
As Low As; Payment per $1,000 not extracted
Loan amount: Over $30,000.00
Model Year: 2026-2024
- Oct 1, 20267.49%▲ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; Payment per $1,000 not extracted
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. Payment Examples: 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. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Age: New to 1 year old; Relationship Pricing**
Age: New to 1 year old; Relationship Pricing**
Age: 2 - 3 years old; Relationship Pricing**
Age: 2 - 3 years old; Relationship Pricing**
Loan amount: Over $20,000.00
Age: 4 - 5 years old; Relationship Pricing**
Age: 2 - 3 years old; Relationship Pricing**
Age: 4 - 5 years old; Relationship Pricing**
Orient New Auto Auto Loan Rates
As low as
As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As low as
As low as
As Low As; Rate reflects .25% discount for relationship pricing
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; Stated rate applies to 37-60 month term for loans secured by non-commercial passenger vehicles (new and used Autos and Light Duty Trucks up to 7 model years old); Minimum loan amount $3,000; Effective date September 1, 2026; Apply online
As Low As
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; Rates effective as of October 7, 2026; APR varies by creditworthiness, term and collateral
As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As Low As
As Low As; Vehicle model year 2021 & Newer; Automatic payment required for lowest rate offered
As Low As; Rates effective 5/21/2026
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.60%▲ from 4.25%
- Sep 17, 20264.25%first recorded
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.60%▲ from 4.25%
- Sep 17, 20264.25%first recorded
As Low As; Rates effective 5/21/2026
As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As low as
As Low As; Rate reflects .25% discount for relationship pricing
As Low As; Rates effective as of October 7, 2026; APR varies by creditworthiness, term and collateral
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.74%▲ from 4.49%
- Sep 22, 20264.49%first recorded
As Low As
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.75%▲ from 4.45%
- Sep 17, 20264.45%first recorded
Auto loan; model year 2023 - 2026
% Above Index: blank
As Low As; Rates effective 5/21/2026
Auto loan; model year 2023 - 2026
As Low As; Loan to Value: Up To 125%; Terms greater than 84 months have a minimum loan amount of $60,000 with a maximum Loan To Value of 100%
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.95%▲ from 4.75%
- Sep 17, 20264.75%first recorded
As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
Auto loan; model year 2023 - 2026
As Low As; Rates effective as of October 7, 2026; APR varies by creditworthiness, term and collateral
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As
Auto loan; model year 2023 - 2026
As Low As
As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
As Low As; Rate reflects .25% discount for relationship pricing
As Low As; Rates effective as of October 7, 2026; APR varies by creditworthiness, term and collateral
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20265.25%▲ from 5.00%
- Sep 17, 20265.00%first recorded
As Low As; Membership eligibility required
As Low As; Vehicle model year 2021 & Newer; Automatic payment required for lowest rate offered
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
% Above Index: blank
As Low As; Rates effective 5/21/2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
As Low As; Loan amount over $25,000 only; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As
As Low As; Rate reflects .25% discount for relationship pricing
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20265.75%▲ from 5.50%
- Sep 17, 20265.50%first recorded
As Low As; Vehicle model year 2021 & Newer; Automatic payment required for lowest rate offered
Loan amount: Over $30,000.00
As Low As; Rates effective 5/21/2026
As Low As; Rates effective as of October 7, 2026; APR varies by creditworthiness, term and collateral
As Low As; Payment per $1,000 not extracted
As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
Unlabeled homepage carousel value; rate type (interest rate vs APR) not stated
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As low as
As Low As; Payment per $1,000 not extracted
As Low As; Vehicle model year 2021 & Newer; Automatic payment required for lowest rate offered
As Low As; Payment per $1,000 not extracted
As Low As
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Payment per $1,000 not extracted
As low as
As Low As; Payment per $1,000 not extracted
As Low As; Payment per $1,000 not extracted
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. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Orient Used Auto Auto Loan Rates
As low as
As low as
As low as
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; Stated rate applies to 37-60 month term for loans secured by non-commercial passenger vehicles (new and used Autos and Light Duty Trucks up to 7 model years old); Minimum loan amount $3,000; Effective date September 1, 2026; Apply online
As Low As; Rate reflects .25% discount for relationship pricing
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; Used vehicle loan; APR varies by borrower creditworthiness
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.60%▲ from 4.25%
- Sep 17, 20264.25%first recorded
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.60%▲ from 4.25%
- Sep 17, 20264.25%first recorded
As low as
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.74%▲ from 4.49%
- Sep 22, 20264.49%first recorded
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.75%▲ from 4.45%
- Sep 17, 20264.45%first recorded
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Loan to Value: Up To 125%
As Low As
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20264.95%▲ from 4.75%
- Sep 17, 20264.75%first recorded
As Low As; Rate reflects .25% discount for relationship pricing
As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Rates effective 5/21/2026
As Low As; Used vehicle loan; APR varies by borrower creditworthiness
As Low As; Stated rate based on certain creditworthiness criteria; vehicle age determines maximum loan term
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20265.25%▲ from 5.00%
- Sep 17, 20265.00%first recorded
As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
Additional APR listed for this product: 6.29%.
As Low As
As Low As; Rates effective 5/21/2026
As Low As; Rate reflects .25% discount for relationship pricing
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; Used vehicle loan; APR varies by borrower creditworthiness
As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
As Low As; Membership eligibility required
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Rates effective 5/21/2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Model Year 2022 & Newer; 2022-2023: Maximum 6-Year Term; 2024-2027: Maximum 7-Year Term; Terms may vary, subject to qualification
As Low As; Used vehicle loan; APR varies by borrower creditworthiness
As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available
- Oct 8, 20265.75%▲ from 5.50%
- Sep 17, 20265.50%first recorded
As Low As
As Low As; Rates effective 5/21/2026
As Low As; Payment per $1,000 not extracted
As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
As low as
As Low As; Used vehicle loan; APR varies by borrower creditworthiness
As Low As; Payment per $1,000 not extracted
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Rates effective 5/21/2026
As Low As; Payment per $1,000 not extracted
As Low As; Column: Used; Add 0.25% to rate if NOT paid via payroll deduction
As Low As; Rates apply to 2015-current model years; Loans require full coverage insurance
As Low As; Payment per $1,000 not extracted
Additional APR listed for this product: 7.79%.
As low as
As Low As; APR varies by credit score and selected term; risk-based pricing; membership eligibility required
As Low As; Membership eligibility required
As Low As; Payment per $1,000 not extracted
Loan amount: Over $30,000.00
As Low As; Payment per $1,000 not extracted
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. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Loan amount: Over $20,000.00
Orient, ME Auto Loan Rate Trends
Compare local Orient, 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 0.317 points over the past 7 days to 5.451% APR.
Maine used auto rates rose 0.268 points over the past 7 days to 5.781% APR.
Orient, 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 @ 5.45% APR ME average | Used Auto @ 5.78% APR ME average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.17/mo | $288.46/mo | $2.29/mo |
| $25,000 | $476.96/mo | $480.77/mo | $3.82/mo |
| $35,000 | $667.74/mo | $673.08/mo | $5.34/mo |
| $45,000 | $858.52/mo | $865.39/mo | $6.87/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 Orient, Maine
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Orient, 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 Orient, 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: Orient, 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 $572 monthly car payment works out to roughly 15.4% of the median individual income in Maine. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Orient, 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 to 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 to 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 Orient, 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 Orient, 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 Orient, 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 Orient, 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.
Bad Credit Auto Loans in Orient, Maine
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Orient, 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 Orient, 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?
Can I get an auto loan with bad credit in Orient, Maine?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Orient, Maine?
- Coast Line Credit Union: 3.95% (Auto Loan)
- Atlantic Regional Federal Credit Union: 3.99% (New/Used Automobiles)
- Katahdin Federal Credit Union: 3.99% (New Vehicle (Model Year 2022 and Newer) Loan)
- Evergreen Credit Union Portland, ME: 3.99% (Vehicle Loans)
- NorState Federal Credit Union: 4.24% (Vehicle Loans)
Orient, Maine Rates & Resources
