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President's Day
Monday, February 20, 2012

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New Car Loans & Used Car Loans

For Current Rates, Click Here

To apply for a loan online, Click Here
To fill out our loan application and mail or fax in, Click Here

To Calculate your Debt to Income ratio, Click Here

Invest In America Program

Guide for your information:

Extensions may be available upon approval, higher rate may apply
Vehicles older than 8 years old add 2.50% APR*
Over 100,000 miles add 2.00% APR*
Not Actual Mileage add 2.00%
Salvaged/Rebuilt Vehicles Add 2.50% (100% financing not available)
All secured loans may be financed for up to 100% of retail value including sales tax and documentation fees (excludes salvaged/rebuilt vehicles)
0.10% discount will be applied with auto pay and a checking account
Monthly, Bi-Weekly and Weekly payments available
Refinancing Available

Want to know how much a vehicle is worth? Look up the NADA Value.

Make sure you know what you're buying. Get a CarFax Report Today!

Calculate Your Car Payment

Take a few minutes to scope out your anticipated car payment before you commit to a new or used car contract. Click here to connect to the

Car Payment calculator. Use this calculator to help you understand how all the variables affect your car deal. And be sure to call or visit the Credit Union to get pre-approved or to apply for your loan.

Auto Dealers

We are proud to work with several local dealers to assist you in purchasing your next vehicle:

A-1 Auto Inc.	Auto City of Maine	Auto Pro
Berube's Auto Body, Inc.	Bill's Auto Sales	Bill Steven's Auto Sales
Cars For Less	Central Maine Power Sports	City Limit Motors
Clavet Import Auto Sales		Cliff's Auto Sales
Dealer Worx	Discount Dave's	Donovan's
Dube's Auto Sales	Emerson Chevrolet	Emerson Toyota
Euro Motors	Evergreen Subaru	Grove Auto Sales
Hart's Classic	Horseless Carriages	J&B Auto Sales
Jack's Auto Mart	Jim's Auto Sales	John D. Craft's Auto Sales
K&R Auto Sales	Kry Auto Sales	LA Auto Company
LA Harley Davidson	Lake City Exports	Larry's Auto Repair
Larry Stewart's Auto Sales	Lee Auto	Lee Credit Express
Lewis Auto Sales	Lindy's Auto Sales	Marc's Auto Sales
Morgan's Auto Sales	O'Connor GMC	Primary Auto Sales
Quality Care Auto, Inc.	Rick's Auto Body	Rotary Auto Sales
Rowe Auburn	Sabattus Auto Sales	Scott Thayer Auto Sales
Scott's Recreation	Thrifty Car Mart	Tri-Sports, Inc.
Waterman Farm Machinery	Whited RV

Tips for Buying a Car:

Many consumers believe that car shopping involves going to a dealer, looking at cars and test driving. However, car shopping done properly requires a lot more work than that. Follow the steps below and make car shopping easier on yourself:

Qualify Yourself
Before you shop, review your budget and determine a maximum and desired payment amount. Plus, visit Community Credit Union to get pre-qualified. That way, you know exactly how much you can spend on a vehicle and what the payment will be.
Determine Your Needs
Take time to determine exactly what your needs and wants are, and most importantly, be sure to distinguish between the two of them.
Do Background Work On The Vehicle
Once you have a general idea of what you want in a vehicle, do background work on the vehicles available. Discover the advantages and disadvantges of your choices and what the price ranges are.
Investigate Financing Options
Make the decision as to whether you will purchase or lease the vehicle. If you choose to purchase the vehicle, visit Community Credit Union to ensure pricing of your vehicle options fits into your budget.
Choose The Right Dealer
Find out what dealers offer the vehicles you're interested in then visit them. (We work closely with several dealers; they are listed above)
Test Drive
Take several vehicles from your list for a test drive.
Be Aware of Total Cost of Vehicle
Remember that when you purchase a vehicle, there's other costs involved:
Warranties, Taxes, Registration and Insurance. Be sure to look into all of these items again to ensure you can truly afford the vehicle.

The Truth About 0% Financing

You have undoubtedly seen the advertising from automakers offering 0% financing to purchase a new car, truck or SUV. You can't beat 0% financing, right? Well, in most cases you can! Here are a few things to consider when you think about taking advantage of a 0% financing offer:

If you qualify, you usually have to choose between taking the 0% offer or the factory cash back offers (rebates).
Not everyone qualifies. You generally have to have near perfect credit to receive the 0% rate.
In most cases, 0% financing options are only available with low terms causing your monthly payment to increase.

Click here to download our article on "The Truth About 0% Financing" and discover how you can truly get the BEST deal!

Click here to use a calculator on one of our Online Resource Centers, Home and Family Finance, to help you determine if the 0% financing or the rebate will save you more money in the end!