Auto, RV & More
Fast and easy financing for every vehicle on land and water, from new and used cars and trucks to RVs and boats.
- Friendly and responsive service
- Simple, straightforward products
- Affordable member rates and great value
New and Used Cars & Trucks
Overview
At Dirigo Federal Credit Union, we take away the stress of financing a vehicle — with flexible terms and the most competitive rates out there.
Perks
- Vehicle Service Contract with roadside assistance, rental benefits and more
- GAP Plus Coverage, which pays loan balance if vehicle is totaled or stolen
Debt Protection Coverage for unexpected job loss, death, or disability
- Overview
- Product Perks
- Rates
Motorcycles, RVs & Boats
Overview
Work hard, play hard. Be one with the road or cruise along the jagged coast of Maine with an affordable recreational loan.
Perks
- Vehicle Service Contract with roadside assistance, rental benefits and more
- GAP Plus Coverage, which pays loan balance if vehicle is totaled or stolen
- Debt Protection Coverage for unexpected job loss, death, or disability
- 100% financing
- Overview
- Product Perks
- Rates
Tractors
Overview
Made with Mainers in mind, our tractor loans get you back to work in no time with low rates and flexible terms.
Perks
- Vehicle Service Contract with roadside assistance, rental benefits and more
- GAP Plus Coverage, which pays loan balance if vehicle is totaled or stolen
- Debt Protection Coverage for unexpected job loss, death, or disability
- 100% financing
- Overview
- Product Perks
- Rates
Disclosures
Membership Eligibility Requirements: An individual must live, work or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York, Maine. Immediate family members of existing Dirigo FCU members are also eligible. $25 opening deposit for membership must be included with funding packet or $25 will be withheld from dealer proceeds.
Term Restrictions for Travel Trailers (RVs) and Boats
$25K minimum loan amount for 120-month term
$35K minimum loan amount for 180-month term
Restrictions:
- No salvaged, flood-damaged, Lemon Law, reconstructed or rebranded titles will be financed.
- Insurance deductibles cannot exceed $1,000. Proof of insurance (full coverage) must list Dirigo FCU as lienholder.
- Maximum of 45 days to first payment
- No commercial vehicles will be financed.
- Approvals are good for 30 days.
- No straw purchase will be financed.
- Proof of income (most recent two paystubs) is required for all applicants with a credit score under 680.
- Current tax returns are required for all self-employed individuals with a credit score under 680.
- Maximum APR is 18.00%.
Loan Fees & Cost:
Document Fee (purchase or new loan)**** $35.00
Document Fee (refinance from Dirigo)**** $50.00
All rates subject to change without notice.