Fresh Start Auto Lending – Downeast Credit Union

Fresh Start Auto Lending

Fresh Start auto lending is how we help you meet your financial goals.

We don't want our members to pay more just because of a few financial blunders. We offer more favorable options than most buy-here-pay-here and payday lenders. Let Downeast CU help leave your financial troubles behind and start over with a Fresh Start loan. With over 80 years in the business, we encourage borrowers to take the leap toward financial stability with us.

Through our Fresh Start loans we:

  • Help members into reliable automobiles and even assist with the car shopping process

  • Offer reasonable lending rates and affordable payments

  • Assist you in building a better credit score to increase your ability to borrow at lower rates in the future

Contact us today to start the process at 800.427.1223 or apply here:


Loan Planner Calculator

Find the Best Loan for Your Needs

If you know any 3 of a loan's 4 terms (principal, interest rate, payments remaining, and payment amount), this calculator will compute the missing term. Enter the 3 known loan terms in the appropriate entry fields and click on "Compute." One empty field is required for recalculations.


How can a Vehicle Service Contract help me?

A VSC pays for the labor and replacement of covered parts. It helps you avoid costly repair bills down the road and includes 24/7 Road Side Assistance.

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What does Guaranteed Asset Protection do?

What you owe on your vehicle and the actual value might vary. Protect that gap in the worst-case scenario that your auto becomes a total loss in an accident.

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How much auto insurance is right for me?

Auto insurance can be tailored for your exact needs. Our friends at Downeast Insurance can help shop through multiple carriers to find you the best deal.

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*Fresh Start loans available to qualifying members, based on approved credit and other established requirements. Not all applicants will qualify for the lowest rate. Other restrictions including vehicle and mileage limitations may apply. Auto terms up to 84 months. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Rates effective 4/26/2023. For example, a 60-month, fixed-rate Auto Loan for $20,000 would have a monthly payment of $396.54 at an annual percentage rate (APR) of 7.04%. All rates and terms subject to change at any time. The calculator above may help you determine estimated monthly payments.