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

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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