Auto Loans

Wherever and whenever you decide to purchase your next vehicle, Maine Family Federal Credit Union is here for you. 

Maine Family Federal Credit Union offers a personalized lending program with great rates and flexible terms. So visit either our Lewiston or Auburn Location or apply online-- and finance your next vehicle with a Maine Family FCU auto loan.


Finance your next new or used vehicle with Maine Family FCU

Looking for a new car or truck? You can finance your new or used vehicle loan directly with us.

Refinance an Existing Loan with Maine Family FCU

If you are looking to refinance an existing auto loan from another financial institution or dealer, you may be able to lower your monthly payment, shorten the length of your loan, and possibly pay the loan off quicker!

We have great rates on new and used vehicles and offer a wide range of financing options including terms up to 84 months.

Apply Now 


Auto & Titled Motorcycle Loan

Credit Tier Up to 36 Mo. 48 Mo. 60 Mo. 72 Mo. 84 Mo.
Tier I 3.50% 3.65% 3.90% 4.10% 4.45%
Tier II 4.00% 4.15% 4.40% 4.60% 4.95%
Tier III 4.50% 4.65% 4.90% 5.10% 5.45%
Tier IV 5.00% 5.15% 5.40% 5.60%  
Tier V 5.50% 5.65% 5.90% 6.10%  

Effective 11/01/2018

Example of a typical new vehicle loan: 60 monthly payments of $272.88 based on a $15,000 loan, at 3.50% which equals to $18.19 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.

Auto & Titled Motorcycle  Loan Terms

2018-2017                                 84 Mos.                           Minimum Loan Amt. $25,000 (Tier I,II & III only)
2018-2016 72 Mos. Term extension available only if Average or Low Miles. Minimum Loan Amt. $25,000 (Tier I,II & III only) Commercial Vehicles do not qualify for term extension beyond 72 months.
2018-2015 72 Mos.          Term Extension beyond 72 months for model year 2015 not available.
2014-2012 60 Mos.  
2011-2009 48 Mos.  
2008-2006 36 Mos.  Add 3.00% to auto loan rate. Add 1.00% for high mileage
2005-2003 24 Mos.  Add 3.00% to auto loan rate. Add 1.00% for high mileage


Term extensions may be considered with a .50% loan rate increase for every 6 months added to the original term rate.

Credit Tiers*

Effective 03/30/2018
Rates subject to change daily. Rates are subject to credit score.
Percentages are listed as APR - Annual Percentage Rate.

Credit Score                Tier               
680+ Tier I
640-679 Tier II
600-639 Tier III
550-599 Tier IV
549 or less Tier V


NCUA Logo     Equal Housing Lender Logo

Your savings federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

About Us

  • Address: 555 Sabattus St., Lewiston, ME 04240
  • Branch Locations
  • Phone: 207-783-2071
  • Routing #: 211287913

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