The MFP’s Community Auto Lender Survey gathers Maine’s car drivers feedback and recommendations for direct lenders like banks, credit unions and online lenders, plus marketplaces. Shopping for a car loan and a lender can be complicated and we gathered this data to help your choice.
Updated: May 11, 2026
<< Human Powered Recommendations from Maine’s Car Drivers >>
Maine Best Car Loan Lenders
Portland, Lewiston, Bangor, South Portland, Auburn, Biddeford, Sanford, Saco, Online.
Maine Car Loans Lenders Satisfaction
Performance and satisfaction of car loan lenders across Maine by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.64 | 4.65 | 4.71 | 92.4% |
| Online Lenders | 4.51 | 4.60 | 4.47 | 85.7% |
| Community Banks | 4.28 | 4.37 | 4.46 | 85.5% |
| Banks | 3.99 | 4.09 | 4.13 | 79.4% |
Source: MFP’s Community Survey of Auto Loan Lenders by State and Cities.
Recommendations are gathered from 961 local Mainers who got a quote or applied for a car loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, speedy quote and decision, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your auto loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed of a quote requested, and speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Info for Maine Drivers:
Portland Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Portland’s area are Evergreen Credit Union, cPort Credit Union and Town & Country Federal Credit Union.
Evergreen Credit Union (96% Recommend)
- Evergreen ranks highest overall with a 96% Recommend score, including a 4.8 Easy Application rating and the highest Speedy Quote & Decision score among the top 3 at 4.9.
- Customer feedback consistently points to an easy loan process, responsive staff, and strong help from local employees during financing questions.
cPort Credit Union (94% Recommend)
- cPort ranks second with a 94% Recommend score, a 4.7 Easy Application rating, and a 4.8 Speedy Quote & Decision rating.
- Customer feedback frequently mentions helpful service, good auto-loan experiences, and positive local branch support.
Town & Country Federal Credit Union (92% Recommend)
- Town & Country ranks third with a 92% Recommend score and a 4.7 Loan Terms & Rate Satisfaction rating, matching cPort on rate satisfaction.
- Customer feedback supports the score with repeated mentions of competitive auto-loan options, helpful staff, and a straightforward lending experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Evergreen Credit Union | Credit Union | 4.8 | 4.8 | 4.9 | 96% |
| cPort Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| Town & Country Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| University Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Atlantic Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Ancorum Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| TruChoice Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 88% |
| Trademark Federal Credit Union | Credit Union | 4.4 | 4.4 | 4.6 | 87% |
| Maine Community Bank | Community Bank | 4.3 | 4.4 | 4.5 | 86% |
| Bangor Savings Bank | Community Bank | 4.3 | 4.3 | 4.5 | 85% |
| Kennebec Savings Bank | Community Bank | 4.2 | 4.3 | 4.4 | 84% |
| Norway Savings Bank | Community Bank | 4.2 | 4.2 | 4.4 | 83% |
| Casco Federal Credit Union | Credit Union | 4.1 | 4.3 | 4.3 | 82% |
| Camden National Bank | Bank | 4.1 | 4.2 | 4.3 | 81% |
| KeyBank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Lewiston Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Lewiston’s area are Maine Family Federal Credit Union, Community Credit Union and Central Maine Federal Credit Union.
Maine Family Federal Credit Union (97% Recommend)
- Maine Family Federal Credit Union ranks highest with a 97% Recommend score, including the highest Easy Application rating among the top 3 at 4.9 and a 4.8 Loan Terms & Rate Satisfaction rating.
- Customer feedback repeatedly describes the auto-loan process as easy, smooth, and responsive, with strong comments about helpful staff during loan applications.
Community Credit Union (95% Recommend)
- Community Credit Union ranks second with a 95% Recommend score and the highest Speedy Quote & Decision rating among the top 3 at 4.9.
- Customer feedback points to helpful local branch support, clear loan assistance, and positive service experiences when working through vehicle financing.
Central Maine Federal Credit Union (93% Recommend)
- Central Maine Federal Credit Union ranks third with a 93% Recommend score, supported by a 4.7 Easy Application rating and a 4.7 Speedy Quote & Decision rating.
- Customer feedback supports the ranking with frequent mentions of friendly service, responsive staff, and a straightforward lending experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Maine Family Federal Credit Union | Credit Union | 4.9 | 4.8 | 4.8 | 97% |
| Community Credit Union | Credit Union | 4.8 | 4.7 | 4.9 | 95% |
| Central Maine Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| cPort Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 92% |
| Five County Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 90% |
| Ancorum Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Auburn Savings Bank | Community Bank | 4.4 | 4.5 | 4.5 | 87% |
| Androscoggin Bank | Community Bank | 4.3 | 4.4 | 4.5 | 86% |
| Bangor Savings Bank | Community Bank | 4.2 | 4.3 | 4.4 | 84% |
| Camden National Bank | Bank | 4.1 | 4.2 | 4.3 | 81% |
Bangor Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Bangor’s area are Bangor Federal Credit Union, Maine Savings Federal Credit Union and The County Federal Credit Union.
Bangor Federal Credit Union (96% Recommend)
- Bangor Federal Credit Union ranks highest with a 96% Recommend score, including the highest Easy Application rating among the top 3 at 4.8 and a 4.8 Speedy Quote & Decision rating.
- Customer feedback frequently describes the auto-loan process as straightforward, with responsive staff and clear help through approval and financing questions.
Maine Savings Federal Credit Union (95% Recommend)
- Maine Savings Federal Credit Union ranks second with a 95% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.8.
- Customer feedback repeatedly mentions helpful loan officers, smooth refinancing, and positive experiences with vehicle-loan support.
The County Federal Credit Union (93% Recommend)
- The County Federal Credit Union ranks third with a 93% Recommend score, supported by a 4.7 Speedy Quote & Decision rating and a 4.6 Easy Application rating.
- Customer feedback supports the score with strong comments about personal guidance, helpful branch service, and good loan support for members.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Bangor Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 96% |
| Maine Savings Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| The County Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 93% |
| Acadia Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 92% |
| University Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Downeast Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 89% |
| Bangor Savings Bank | Community Bank | 4.3 | 4.4 | 4.5 | 87% |
| Machias Savings Bank | Community Bank | 4.2 | 4.3 | 4.4 | 85% |
| Camden National Bank | Bank | 4.1 | 4.2 | 4.3 | 82% |
| KeyBank | Bank | 3.9 | 4.0 | 4.0 | 78% |
South Portland Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in South Portland’s area are Evergreen Credit Union, Coast Line Credit Union and Town & Country Federal Credit Union.
Evergreen Credit Union (96% Recommend)
- Evergreen Credit Union ranks highest with a 96% Recommend score, including a 4.8 Easy Application rating and the highest Speedy Quote & Decision rating among the top 3 at 4.9.
- Customer feedback consistently points to an easy loan process, responsive service, and helpful guidance from local employees during vehicle financing.
Coast Line Credit Union (95% Recommend)
- Coast Line Credit Union ranks second with a 95% Recommend score and a 4.8 Loan Terms & Rate Satisfaction rating, matching Evergreen on rate satisfaction.
- Customer feedback supports the score with positive comments about local service, helpful staff, and accessible vehicle-loan support in South Portland.
Town & Country Federal Credit Union (92% Recommend)
- Town & Country Federal Credit Union ranks third with a 92% Recommend score, including a 4.7 Loan Terms & Rate Satisfaction rating and a 4.7 Speedy Quote & Decision rating.
- Customer feedback frequently mentions helpful branch support, competitive loan options, and a straightforward borrowing experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Evergreen Credit Union | Credit Union | 4.8 | 4.8 | 4.9 | 96% |
| Coast Line Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| Town & Country Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| cPort Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Trademark Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.7 | 89% |
| Saco & Biddeford Savings Institution | Community Bank | 4.4 | 4.5 | 4.6 | 88% |
| Bangor Savings Bank | Community Bank | 4.3 | 4.4 | 4.5 | 86% |
| Maine Community Bank | Community Bank | 4.3 | 4.4 | 4.4 | 85% |
| M&T Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Bank of America | Bank | 3.8 | 3.9 | 3.9 | 76% |
Auburn Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Auburn’s area are Maine Family Federal Credit Union, Community Credit Union and Great Falls Federal Credit Union.
Maine Family Federal Credit Union (97% Recommend)
- Maine Family Federal Credit Union ranks highest with a 97% Recommend score, including the highest Easy Application rating among the top 3 at 4.9 and a 4.8 Loan Terms & Rate Satisfaction rating.
- Customer feedback repeatedly describes the lending process as easy and responsive, with strong comments about helpful staff and clear explanations during loan decisions.
Community Credit Union (95% Recommend)
- Community Credit Union ranks second with a 95% Recommend score and the highest Speedy Quote & Decision rating among the top 3 at 4.9.
- Customer feedback often mentions friendly local branch service, helpful loan guidance, and a smooth borrowing experience.
Great Falls Federal Credit Union (94% Recommend)
- Great Falls Federal Credit Union ranks third with a 94% Recommend score, supported by a 4.8 Easy Application rating and a 4.7 Loan Terms & Rate Satisfaction rating.
- Customer feedback supports the ranking with positive comments about personal service, straightforward applications, and helpful loan support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Maine Family Federal Credit Union | Credit Union | 4.9 | 4.8 | 4.8 | 97% |
| Community Credit Union | Credit Union | 4.8 | 4.7 | 4.9 | 95% |
| Great Falls Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Dirigo Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Ancorum Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Auburn Savings Bank | Community Bank | 4.5 | 4.5 | 4.5 | 88% |
| Bangor Savings Bank | Community Bank | 4.2 | 4.3 | 4.4 | 84% |
| Androscoggin Bank | Community Bank | 4.2 | 4.2 | 4.4 | 83% |
Biddeford Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Biddeford’s area are TruChoice Federal Credit Union, Lighthouse Credit Union and PeoplesChoice Credit Union.
TruChoice Federal Credit Union (96% Recommend)
- TruChoice Federal Credit Union ranks highest with a 96% Recommend score, including the highest Easy Application rating among the top 3 at 4.8 and a 4.8 Speedy Quote & Decision rating.
- Customer feedback points to fair, professional service, helpful local employees, and a smooth car-loan experience for Biddeford-area members.
Lighthouse Credit Union (95% Recommend)
- Lighthouse Credit Union ranks second with a 95% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.8.
- Customer feedback supports the score with positive comments about local branch service, clear loan support, and an easy financing process.
PeoplesChoice Credit Union (94% Recommend)
- PeoplesChoice Credit Union ranks third with a 94% Recommend score, supported by a 4.7 Easy Application rating and a 4.7 Loan Terms & Rate Satisfaction rating.
- Customer feedback commonly describes the credit union as helpful, responsive, and easy to work with for vehicle financing.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| TruChoice Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 96% |
| Lighthouse Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| PeoplesChoice Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Atlantic Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Town & Country Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Saco & Biddeford Savings Institution | Community Bank | 4.4 | 4.5 | 4.6 | 88% |
| Maine Community Bank | Community Bank | 4.3 | 4.4 | 4.5 | 86% |
| Bangor Savings Bank | Community Bank | 4.2 | 4.3 | 4.4 | 84% |
Sanford Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Sanford’s area are Lighthouse Credit Union, Atlantic Federal Credit Union and PeoplesChoice Credit Union.
Lighthouse Credit Union (96% Recommend)
- Lighthouse Credit Union ranks highest with a 96% Recommend score, including the highest Speedy Quote & Decision rating among the top 3 at 4.9 and a 4.8 Easy Application rating.
- Customer feedback commonly points to helpful local service, responsive loan support, and an easy vehicle-financing process for Sanford-area borrowers.
Atlantic Federal Credit Union (95% Recommend)
- Atlantic Federal Credit Union ranks second with a 95% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.8.
- Customer feedback supports the score with repeated mentions of competitive auto-loan options, quick local decisions, and helpful branch support.
PeoplesChoice Credit Union (93% Recommend)
- PeoplesChoice Credit Union ranks third with a 93% Recommend score, supported by a 4.7 Easy Application rating and a 4.7 Speedy Quote & Decision rating.
- Customer feedback describes the credit union as easy to work with, helpful during applications, and responsive when members need loan guidance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Lighthouse Credit Union | Credit Union | 4.8 | 4.7 | 4.9 | 96% |
| Atlantic Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| PeoplesChoice Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| TruChoice Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Town & Country Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Kennebunk Savings | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| Partners Bank | Community Bank | 4.3 | 4.4 | 4.5 | 86% |
| Bangor Savings Bank | Community Bank | 4.2 | 4.3 | 4.4 | 84% |
Saco Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Saco’s area are Saco Valley Credit Union, PeoplesChoice Credit Union and University Credit Union.
Saco Valley Credit Union (97% Recommend)
- Saco Valley Credit Union ranks highest with a 97% Recommend score, including the highest Easy Application rating among the top 3 at 4.9 and a 4.8 Loan Terms & Rate Satisfaction rating.
- Customer feedback and member feedback point to an easy application process, helpful local service, and strong support for vehicle-loan questions.
PeoplesChoice Credit Union (95% Recommend)
- PeoplesChoice Credit Union ranks second with a 95% Recommend score and the highest Speedy Quote & Decision rating among the top 3 at 4.9.
- Customer feedback commonly describes the credit union as responsive, easy to work with, and helpful during loan applications.
University Credit Union (93% Recommend)
- University Credit Union ranks third with a 93% Recommend score, supported by a 4.7 Easy Application rating and a 4.7 Loan Terms & Rate Satisfaction rating.
- Customer feedback supports the score with positive comments about smooth service, helpful employees, and clear loan support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Saco Valley Credit Union | Credit Union | 4.9 | 4.8 | 4.8 | 97% |
| PeoplesChoice Credit Union | Credit Union | 4.8 | 4.7 | 4.9 | 95% |
| University Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| Lighthouse Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 92% |
| Atlantic Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 90% |
| Maine Community Bank | Community Bank | 4.4 | 4.5 | 4.6 | 88% |
| Bangor Savings Bank | Community Bank | 4.2 | 4.3 | 4.4 | 84% |
| Partners Bank | Community Bank | 4.1 | 4.2 | 4.3 | 82% |
Maine Best Online Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Maine’s area are Maine Savings Federal Credit Union, Atlantic Federal Credit Union and Capital One Auto Navigator.
Maine Savings Federal Credit Union (94% Recommend)
- Maine Savings ranks #1 with a 94% Recommend score, a 4.8 Loan Terms & Rate Satisfaction rating, and the strongest Maine presence score among the top 3.
- Customer feedback supports Maine Savings’ top ranking because borrowers value its Maine footprint, online loan application access, local support, and flexible new and used vehicle financing.
Atlantic Federal Credit Union (93% Recommend)
- Atlantic ranks #2 with a 93% Recommend score, a 4.7 Loan Terms & Rate Satisfaction rating, and a 4.6 Speedy Quotes & Decision score that is higher than Maine Savings’ 4.5.
- Customer feedback supports Atlantic’s ranking because borrowers value its Maine-based auto-loan process, online application access, competitive purchase-loan terms, and branch support when needed.
Capital One Auto Navigator (91% Recommend)
- Capital One ranks #3 with a 91% Recommend score, the highest Easy Application rating among the top 3 at 4.8, and the highest Speedy Quotes & Decision score among the top 3 at 4.8.
- Customer feedback points to a strong online prequalification flow, clear payment visibility, and a smoother car-shopping process before visiting a participating dealer.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quotes & Decision | Recommend |
|---|---|---|---|---|---|
| Maine Savings Federal Credit Union | Direct | 4.7 | 4.8 | 4.5 | 94% |
| Atlantic Federal Credit Union | Direct | 4.6 | 4.7 | 4.6 | 93% |
| Capital One Auto Navigator | Direct | 4.8 | 4.6 | 4.8 | 91% |
| Maine State Credit Union | Direct | 4.6 | 4.8 | 4.4 | 91% |
| LightStream | Direct | 4.7 | 4.8 | 4.7 | 90% |
| Town & Country Federal Credit Union | Direct | 4.6 | 4.7 | 4.5 | 90% |
| Bangor Savings Bank | Direct | 4.5 | 4.6 | 4.5 | 89% |
| Acadia Federal Credit Union | Direct | 4.5 | 4.7 | 4.4 | 88% |
| University Credit Union | Direct | 4.5 | 4.6 | 4.4 | 87% |
| Dirigo Federal Credit Union | Direct | 4.4 | 4.6 | 4.4 | 86% |
| cPort Credit Union | Direct | 4.4 | 4.6 | 4.3 | 85% |
| AUTOPAY | Marketplace | 4.7 | 4.5 | 4.8 | 85% |
| Bank of America | Direct | 4.5 | 4.6 | 4.4 | 84% |
| myAutoLoan | Marketplace | 4.6 | 4.5 | 4.6 | 84% |
| PenFed Credit Union | Direct | 4.5 | 4.8 | 4.4 | 83% |
| Navy Federal Credit Union | Direct | 4.5 | 4.8 | 4.4 | 82% |
| Consumers Credit Union | Direct | 4.4 | 4.6 | 4.3 | 80% |
| Alliant Credit Union | Direct | 4.3 | 4.4 | 4.2 | 79% |
| LendingTree | Marketplace | 4.5 | 4.4 | 4.6 | 78% |
| Auto Credit Express | Marketplace | 4.0 | 3.8 | 4.2 | 75% |