Tractors

Designed with Mainers in mind, our tractor loans feature low rates and flexible terms to help you get back on your rig and get the job done.

  • 100% financing
  • Affordable rates
  • Excellent terms

Why go through Dirigo Federal Credit Union? For starters, our Tractor Loans work just like an Auto Loan — simple and straightforward.

You can complete the application online, on your time. We can also work with a range of circumstances, goals, and credit scores. And finally, we offer:

  • 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

Tractor Loan Rates

Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats

Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV’s) & Boats
YearMax TermInterest RateAnnual Percentage RateMonthly Interest
Payment per $1,000

Auto, Truck

2023 & Newer844.99%As low as 5.09%$14.18
724.49%As low as 4.60%$15.92
604.24%As low as 4.38%$18.59
484.09%As low as 4.26%$22.69
363.99%As low as 4.21%$29.62
2022 Only725.25%As low as 5.37%$16.28
2019-2022604.85%As low as 4.99%$18.87
2019-2022484.65%As low as 4.82%$22.95
2019-2022364.50%As low as 4.72%$29.85
Max mileage 100,000

Motorcycle, ATV & Snowmobile

2023 & Newer
727.25%As low as 7.37%$17.23
606.25%As low as 6.39%$19.51
486.00%As low as 6.17%$23.56
365.60%As low as 5.82%$30.34
2022 Only729.05%As low as 9.17%$18.11
607.05%As low as 7.19%$19.89
2019-2022486.45%As low as 6.62%$23.77
2019-2022366.05%As low as 6.27%$30.55
Max mileage 25,000

Travel Trailers (RVs) and Boats

2023 & Newer1807.80%As low as 7.83%$9.46
1207.65%As low as 7.76%$12.00
847.15%As low as 7.25%$15.22
606.35%As low as 6.49%$19.56
485.60%As low as 5.77%$23.88
2022 Only847.55%As low as 7.65%$15.41
2019-2022606.80%As low as 6.94%$19.77
485.85%As low as 6.02%$23.49

View Disclosures

Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
View Disclosures

Bank Better, Bank Local

Educational Videos

Looking to build financial fluency? You’re in the right spot.

Members Also Like

Disclosures

Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

All rates are subject to change without notice.

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 Members are also eligible. $25.00 Opening deposit for membership must be included with funding packet or $25 will be withheld from dealer proceeds.

Term restrictions for Tractors & Implements
$10,000 minimum loan amount for 84-month term
$15,000 minimum loan amount for 120-month term
$35,000 minimum loan amount for 180-month term

Restrictions:

  • No financing for salvaged, flood-damaged, Lemon Law, reconstructed or re-branded titles
  • Insurance deductibles not to exceed $1,000
  • Must show proof of insurance (full coverage) listing Dirigo FCU as lienholder
  • Maximum of 45 days to first payment
  • No financing for commercial vehicles
  • Loan approvals good for 30 days
  • No financing for straw purchases
  • Proof of income (most recent two paystubs) required for applicants with credit scores under 680
  • Current tax returns required for self-employed applicants with credit scores under 680
  • Maximum APR: 18.00%

Loan Fees & Costs:
Document Fee (purchase or new loan): $35
Document Fee (refinance from Dirigo): $50