Auto & Recreational Loans

Finance your next auto or recreational vehicle loan with Community Credit Union. We make it easy and convenient for our members.  Take advantage of pre-approvals, our network of reputable dealers, Docu-sign technology and knowledgeable Loan Sales Specialists.

Tips for Buying an Auto or Recreational Vehicle

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. Apply online or call 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 Purchase

Once you have a general idea of what you want, do some research on availability. Discover the advantages and disadvantages of your choices and what the price ranges are.

Investigate Financing Options

Make the decision as to whether you will purchase or lease. If you choose to purchase, call Community Credit Union or apply online to ensure pricing options fit 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 below)

Test Drive

Take several vehicles from your list for a test drive.

Be Aware of Total Cost

Remember that when you purchase, often times other costs are involved: Warranties, Taxes, Registration and Insurance. Be sure to look into all of these items again to ensure you can truly afford what you've selected.

New Car Loans & Used Car Loans 

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For Current Rates, Click Here

Guide for your information:

  • Extensions may be available upon approval, higher rate may apply
  • 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 120% of retail value including sales tax and documentation fees (excludes salvaged/rebuilt vehicles)
  • If financed over 100% loan to value add 1%
  • 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! 

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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 the Credit Union to get pre-approved or simply apply online for your loan. Calculators are a resource, not a guarantee of credit. 

CUCertified Vehicle Service Agreement

Benefits of Coverage

Vehicle Protection
CUCertified pays for the costs of parts and labor during the repair or replacement of major component parts when in conjunction with the repair of a covered item.

National Acceptance
CUCertified Agreements are accepted by repair facilities nationwide. In the event that a network repair facility is not available, transient claims are paid by a Century Automotive Credit Card.

Total Refund
If the member purchases a CUCertifiedVSC contract they are entitled to a full refund on the retail cost charged to the member on the VSC in the event of a total loss.**

Rental Reimbursement
If you are in need of a rental vehicle during a mechanical failure, due to covered repair work, CUCertified will allow rental coverage with no deductible.

Tire & Wheel
CUCertified surcharge provides coverage for damage caused by road hazards to your tires and wheels for the length of the CUCertified contract chosen.

Coverage Enhancements***
CUCertified has coverage options for vehicles that have:

  • Snowplow
  • Lift Kits
  • Oversized Tires
  • AWD/4WD

  • Commercial Use
  • Turbo
  • Diesel

***Available as a surcharge option. Limitations and exclusions may apply.

** This benefit is administered by Insurance Trust, 2 Ledgewood Dr., Westbrook, ME 04092 - (207) 773-0612

For more information, Click Here

Auto Dealers

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

A-1 Auto Inc. Auto Pro Auto Sales
Auto City at Berube's
Cars for Less
Clavet Import Auto Sales Crafts Cars
Dealer Worx Discount Dave's Autoworld
Dube's Auto Sales
Duval Auto Sales Economy Auto Sales Emerson Toyota
Emerson, Inc. Evergreen Subaru Independent Auto
Jim's Auto Sales Jon's Auto Mart KRY Auto Sales
L-A Harley Davidson Lake City Exports Lee Auto Mall
Lifestyle Performance Motors Morgan's Auto Sales Primary Auto Sales
Real Deal Auto Sales RJB & Son Motor Company Rotary Auto Sales
Sabattus Auto & Truck Sales

Email Chris Cote or call 783-2096 if you are a dealership that wants to be added to our preferred dealer list above. 

Member's Choice. Borrower Security

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances. This protection could cancel your loan balance or payments up to the contract maximums. Protect your loan payments today so you can worry a little less about tomorrow. Purchasing protection is voluntary and won't affect your loan approval. It's simple to apply. Ask a loan officer about eligibility, conditions, or exclusions.


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! Calculators are a resource, not a guarantee of credit.

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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

Recreational Vehicle Loans

Are you considering the purchase of a recreational vehicle?  Community Credit Union can do the financing:

  • Motorcycle
  • Motorcoach
  • Boat
  • Trailer
  • ATV
  • Snowmobile
  • Lawn Tractor

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

Recreational Vehicle Dealers

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

Central Maine Power Sports Clark Marine
Gagnon Boats & Motors Inc.
Hamlin's Marine
L-A Harley Davidson
Mid-Maine Marine
Nadeau's Marine Reggie's Kawasaki Ski-Doo Scott's Recreation

Email Chris Cote or call 783-2096 if you are a dealership that wants to be added to our preferred dealer list above. 


If you have a dispute with Community Credit Union regarding your deposit or share account, you may contact us at 207.783.2096 and attempt to resolve the problem directly. If we fail to resolve the problem, please communicate the problem and resolution you are seeking to:

Maine Bureau of Financial Institutions
Consumer Outreach Program
36 State House Station
Augusta, ME 04333-0036

To file a complaint electronically, you may contact the Maine Bureau of Financial Institutions at

The Maine Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.