All Loans > Auto Loans > Five County Credit Union Auto Loans Calculator
Important disclosure

Five County Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of Five County Credit Union auto loans

Five County Credit Union logo

Five County Credit Union offers competitively low auto loan rates ranging from 3.25% to 15% APR. Whether you’re buying, upgrading, or refinancing, you can pick from loans tailored for used and new cars, motorcycles, and recreational vehicles. Additionally, you can secure longer payment terms and quick loan decisions.

Want to see what a Five County auto loan will cost? Try the Five County Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Five County Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 115%.
  • Interest rates: 3.25% to 15% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Late fees.
  • Discounts: Undisclosed.

FIVE COUNTY CREDIT UNION AUTO LOAN OPTIONS

New and used auto and motorcycle loans

Five County has affordable vehicle loans with flexible repayment terms for autos and motorcycles. New loans range from 3.25% to 15% APR, and loan terms can extend up to 84 months. Then, used vehicle loans start at 3.75% APR with up to a 60-month term.

First-Time Auto Buyer program

If it’s your first set of wheels, Five County Credit Union offers auto loans for first-time buyers, too. New and used vehicle loans range from 9.75% to 10% APR, and you can finance them for up to 84 months.

Recreational vehicle loans

Whether you want to hit the road with a small or large recreational vehicle, you can finance it with Five County. You can select from loans tailored to campers, motorhomes, home/garden, boats, ATVs, snowmobiles, and jet skis. Rates can be as low as 5% APR, and terms can be up to 120 months depending on the vehicle.

Five County Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Five County Credit Union

Five County Credit Union auto loan

Five County Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Five County Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

SeeLoans.com provides factual information about financial products. While SeeLoans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on SeeLoans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product, you will be dealing directly with that provider and not with SeeLoans.com. SeeLoans.com recommends reading the relevant product disclosure statement or product guide before taking up any financial product offer. Please view SeeLoans.com's Terms of Use for more information.

Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Five County Credit Union auto loan

Eligibility criteria

Five County doesn’t indicate the specific requirements, but you typically need to be:

  • A Five County CU member
  • 18 years old or older
  • Employed or have a reliable source of income

Try to boost your credit score, too. Financial institutions commonly give their most competitive interest rates and workable terms to borrowers in good credit standing. Plus, you can lift your chances of securing a loan.

How to join Five County

To be a 5 County Credit Union member, you need to meet one of the following:

  • Work, reside, or worship in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Penobscot, Piscataquis, Sagadahoc, Somerset, and Waldo County
  • A relative of a current member of Five County
  • An employee of Bath Iron Works or Five County

What you’ll need to have ready

When you apply for auto financing with Five County Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide Five County with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Aside from the documents, it’s also beneficial to know the auto loan fees you may encounter. This will help you better prepare your budget and compare other options available. In turn, you can save more over the life of your loan.

Ways to apply for a Five County Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-750-0959

Additional Five County auto loan details

  • Automatic payment: Available.
  • Rate discounts: Potential lower rates for members with excellent credit.
  • Repayment frequency: Monthly.
  • Late payment fees: 5% of the payment amount or $10 (whichever is less).
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, automatic payments, onsite drop box, and shared branching.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Flexible repayment options.
  • Fast loan approval.
  • Borrow up to 115%.
  • Joint applications allowed.
  • Autopay available.
  • Refinancing from dealerships and other financial institutions available.
  • Online and mobile access to your auto loan.

Cons

  • Late fee worth 5% of the payment amount or $10, whichever is less.
  • Member limitations.
  • Undisclosed vehicle requirements.

Frequently asked questions

Does Five County Credit Union refinance auto loans?

You can refinance your loan to reduce your monthly payments or adjust your term. Additionally, Five County accepts existing loans from dealerships and other lenders.

What is the maximum term of a Five County car loan?

Five County offers up to 60 months (5 years) for used auto loans and up to 84 months (7 years) for new auto loans.

Where can I apply for 5 County Credit Union vehicle finance?

You can send your application online, reach out to 1-800-750-0959, or stop by a local branch.

What information do I need to provide when applying for Five County vehicle finance?

When you apply, you need to indicate your personal, contact, employment, income, and monthly mortgage/rent details. You also need your last 2 payslips and the purchase and sale agreement.

How many pay slips does Five County require during my auto loan application?

You need to provide your 2 most recent pay stubs when you apply for vehicle financing.

What is the routing number for Five County Credit Union?

Five County’s routing number is 211287463.

Video: Things to consider when getting a vehicle

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

.

Seeloans.com provides factual information in relation to financial products. While Seeloans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Seeloans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Seeloans.com. Seeloans.com recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Seeloans.com’s Terms of Use and Services Guide.

© 2025 Seeloans.com