Looking To Refinance Your Car Loan With Bad Credit In Maine During January 2020?
Getting the best deal on a bad credit auto refinance loan in Maine can save you a significant amount of money. That’s why you need a partner who knows how to get you approved for the loan that you want at the best auto loan refinance rates possible for borrowers with bad credit.
The AllCreditCarLoans network of finance partners provides quick and easy bad credit vehicle refinance decisions. Our finance partners are making more loans, approving borrowers with lower credit scores, offering lower monthly payments and making larger loans than ever before. There has never been a better time to get an auto refinance loan than right now.
By working with AllCreditCarLoans, you can get preapproved for bad credit car refinance and start saving money right away.
So, no matter what your credit situation, if you are looking for a quick, no-hassle vehicle refi loan at the best rate, just click the button below to get the process started. Our one-page application form is simple and easy to use. It only takes a few minutes.
We Can Get You Refinanced Despite Any Special Circumstances
You need to refinance your car and we are here to help you get it done!
Your chances of obtaining vehicle refinancing are very good. Via our network of lender partners, we have many options available to get you refinanced. Difficult circumstances are our specialty and we have seen nearly every situation possible.
We have helped…
Borrowers with a past repossession
Borrowers with a past bankruptcy
Borrowers who are paid in cash
Borrowers who are self-employed
Borrowers who receive social security benefits
Borrowers who are on disability
Borrowers who are retired
Apply today and let us start helping you get your car refinanced!
Watch Our Video On Refinancing Your Car Loan In Maine
AllCreditCarLoans Follows A Simple 1-2-3 Refinance Car Loan Application Process
No need to wait for hours at your nearest bank or submit tons of paperwork. With AllCreditCarLoans, everything is as easy as 1-2-3.
- 1 - COMPLETE OUR ONLINE APPLICATION - This process only takes a few minutes to complete. Our one-page application is safe and secure, so you don’t have to worry about the safety of your information. Everything is done online. There are no fees or hidden charges. Applying is totally FREE.
- 2 - RECEIVE YOUR LOAN APPROVAL - Getting your credit approval is fast and easy. AllCreditCarLoans has an extensive lending network, so the refinance loan approval process is fast and efficient. You don’t have to wait for days, weeks or months. Many applicants receive loan approval on the same day they apply.
- 3 - COMPLETE THE LOAN PROCESS - With our easy as 1-2-3 process, you can finalize the refinance process on the same day your loan is approved. You'll sign new loan documents and our refinance partner will pay off your old loan and give you a payment plan that saves you money.
Your Car Financing Options
Your credit history and where you are buying your auto from will determine the kind of auto deal you can get.
Whether you are buying a new or used auto from a dealer; you need a program designed to help you get a vehicle loan despite some credit challenges; or you are looking to refinance your existing loan - we can help.
We provide a variety of auto loan options to suit your needs and credit situation:
- Maine New Car Loans
- Maine Used Car Loans
- Maine Auto Refinance Loans
- Maine Good and Fair Credit Car Loans
- Maine Bad, Poor and Horrible Credit Auto Loans
Our loan programs are tailored to your exact needs and budget and are designed to meet or exceed the features of national auto refinance companies like Capital One Auto Refinance, Carmax Used Cars, USAA Auto Refinance, Ally Auto Refinance, Chase Auto Refinance, Wells Fargo Auto Refinance, Bank of America Auto Refinance, Navy Federal Car Loans, AAA Auto Loans, Key Bank Auto Loans, PNC Car Loans, Bankrate Auto Loans, US Bank Auto Loans, TD Bank Car Loans and State Farm Auto Loans.
We also specialize in sub-prime auto loans including financing an auto after bankruptcy and helping borrowers to obtain a loan after an auto repossession.
If you are looking for an auto title loan or the best place to refinance your vehicle, we have programs that can help you as well.
We've provided auto loans for first-time buyers, auto financing for college students and we are proud to have arranged military and veteran auto loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to obtain an auto loan with their ITIN.
AllCreditCarLoans works with the best buy here pay here car lots, bad credit car dealers, second chance car dealers and other lenders to provide the best interest rates.
You are never alone in this process. Our lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new vehicle. Click the button below to let us get started helping you today!
Refinance Auto Loan Calculator For MaineUse the AllCreditCarLoans car loan calculator to help determine how much you can afford to spend when refinancing a car. You can run multiple scenarios varying the terms in order to get the monthly payments where you would like them to be. We recommend that you target your total car expenses to be no more than 20% of your take-home pay.
What To Know Before You Apply For Auto Refinancing
Refinance Loan Interest Rates
The interest rate you’ll receive depends upon your credit history, your income, the length of the loan and the balance of your current loan.
Refinance Car Loan Terms
While it is possible to find a lender who will finance a vehicle for up to 84 months, we don't recommend stretching out payments any longer than you need. It’s best to pay off a car loan as quickly as you can since cars depreciate rapidly. The longer the loan term, the more probable that at some point you will end up owing more on the loan than the car is worth. Being underwater or upside-down on a loan is a risky financial situation. The best interest rates are available for shorter loan terms.
Car Refinance Loan Credit Score
Credit scores give lenders an idea of how you manage your finances. These scores are essential in helping you plan your finances well. Likewise, credit scores can be testaments of how well you make decisions, as well as how healthy your spending habits are. Credit scores can help determine whether you pay your bills on-time, if you use your credit cards wisely, and how well you manage your loans.
The higher your credit score, the lower the interest rate you will likely be asked to pay.
Therefore, if you have multiple loans that are unpaid; if your credit cards have been maxed out and several of your bills remain unpaid, you earn a low credit score. While it does not define the kind of person that you are, your score can indicate an unhealthy financial habit, which can make you appear "too risky" and turn away lenders.
A lot of lenders do not offer car refinance loans to applicants who have a low credit score because they do not want to encounter problems when collecting payments. Some lenders accept borrowers with low scores, but they often charge higher interest rates for the loans they make. This is because they want to lessen the risks that your low credit score represents.
But AllCreditCarLoans is different. We work with leading car refinance lenders to help you find the best refinance loan terms for your credit situation. Fill out our quick and easy one-page application to let us get you financed today.
Soft vs. Hard Credit Pull
Your auto lender may do a "soft" credit pull in order to pre-qualify you for a car loan. A "soft" credit pull doesn’t subtract from your credit score the same way a "hard" pull does, but it also doesn’t guarantee you’ll be approved for a loan or that you'll get the exact rate you’ve been quoted. A "hard" credit pull will be required before the loan terms are finalized.
If you are applying with multiple lenders in order to shop the best interest rates, it makes sense to complete all your loan applications within a short time-frame. The credit reporting agencies tend to count multiple hard inquiries made within a short period as only one inquiry.
It's a good idea to know your credit score before you apply for your loan. If you are unsure what your credit score is, you can always use this service to find your credit score.
If your credit score could use improvement, you can work with a credit repair vendor to improve your credit score.
How To Refinance Your Auto Loan
Refinancing your current car loan has never been easier. Our vast network of lender partners and streamlined process makes getting a car refinance loan quick and easy.
1 - Gather your documents
You will need information on your current loan, to include interest rate, monthly payment, remaining balance and the amount of time left to repay the loan. You'll also need your driver's license, SSN, vehicle identification number and paystubs.
2 - Determine your credit history
If you have paid all your car loan payments and other debts on time for the last year, your credit has probably improved so there is a good chance that you can benefit from refinancing your auto loan.
You can pull your own credit report and look to see if you have any problems such as late payment that might affect your ability to get approved for a car refinance loan.
3 - Apply by clicking the button below and wait to receive your loan offer
4 - Run the numbers to see if refinancing makes sense
Use our auto refinance calculator to see if it makes sense to refinance your vehicle. You can enter the original loan amount, current balance, current and new interest rates, and current and new loan terms to see if you will save money.
5 - Complete the loan process
If you decide to refinance, complete the application process with our lending partner and start saving money.
Shopping For The Best Refinance Auto Loan Rates In Maine?
Whether you have good, fair or bad credit, you'll want to get the lowest refinance car rates possible. With a lower interest rate, you'll save money and pay off your auto loan faster.
Once you apply with us and get your loan approval, you'll want to use our refinance vehicle loan calculator to determine how much money you will save by completing the loan application process.
Average Auto Refinance Interest Rates You Can Expect
|Credit Score Range||Average APR for a Refi|
|781 - 850||4.34%|
|661 - 780||5.97%|
|601 - 660||10.34%|
|501 - 600||16.14%|
|300 - 500||19.98%|
How Does Getting Preapproved For Refinancing My Car Loan Work?
Shopping for a better vehicle loan and refinancing your current car loan will likely save you money. Refinancing your vehicle loan makes sense if your credit has recently improved and there is a good chance you can lower your monthly payment and interest rate.
Applying for refinancing and getting a loan decision often takes just a few minutes.
How To Get Pre-Qualified For Refinancing Your Vehicle Loan
When you’re applying with us, the application process is simple and quick. You should have the following information on-hand:
- Driver’s license and Social Security number
- Proof of income
- The vehicle identification number
- Your current monthly payment
- Your remaining balance
- Your current interest rate
- The amount of time left to repay your current loan
This information helps our lending partners to get a clear picture of your financial status, making it easier to secure the best auto loan refinance rates for your credit situation.
Maine (/meɪn/ (listen)) is the northernmost state in the New England region of the northeastern United States. Maine is the 12th smallest by area, the 9th least populous, and the 13th least densely populated of the 50 U.S. states. It is bordered by New Hampshire to the west, the Atlantic Ocean to the southeast, and the Canadian provinces of New Brunswick and Québec to the northeast and northwest, respectively. Maine is the only state to border just one other state, is the easternmost among the contiguous United States, and is the northernmost state east of the Great Lakes.
To the south and east is the Atlantic Ocean and to the north and northeast is New Brunswick, a province of Canada. The Canadian province of Québec is to the northwest. Maine is both the northernmost state in New England and also the largest, accounting for almost half of the region’s entire land area. Maine is the only state to border exactly one other American state (New Hampshire).
Maine is the easternmost state in the United States in both its extreme points and its geographic center. The town of Lubec is the easternmost organized settlement in the United States. Its Quoddy Head Lighthouse is also the closest place in the United States to Africa and Europe. Estcourt Station is Maine’s northernmost point, as well as the northernmost point in New England. (For more information see extreme points of the United States.)
Maine’s Moosehead Lake is the largest lake wholly in New England, since Lake Champlain is located between Vermont, New York and Québec. A number of other Maine lakes, such as South Twin Lake, are described by Thoreau in The Maine Woods (1864). Mount Katahdin is both the northern terminus of the Appalachian Trail, which extends southerly to Springer Mountain, Georgia, and the southern terminus of the new International Appalachian Trail which, when complete, will run to Belle Isle, Newfoundland and Labrador.
Machias Seal Island and North Rock, off the state’s Downeast coast, are claimed by both Canada and the American town of Cutler, and are within one of four areas between the two countries whose sovereignty is still in dispute, but it is the only one of the disputed areas containing land. Also in this easternmost area in the Bay of Fundy is the Old Sow, the largest tidal whirlpool in the Western Hemisphere.
Maine is the least densely populated U.S. state east of the Mississippi River. It is called the Pine Tree State; over 80% of its total land is forested and/or unclaimed. the most forest cover of any U.S. state. In the forested areas of the interior lies much uninhabited land, some of which does not have formal political organization into local units (a rarity in New England). The Northwest Aroostook, Maine unorganized territory in the northern part of the state, for example, has an area of 2,668 square miles (6,910 km) and a population of 10, or one person for every 267 square miles (690 km).
Maine is in the temperate broadleaf and mixed forests biome. The land near the southern and central Atlantic coast is covered by the mixed oaks of the Northeastern coastal forests. The remainder of the state, including the North Woods, is covered by the New England-Acadian forests.
Maine has almost 230 miles (400 km) of coastline (and 3,500 miles (5,600 km) of tidal coastline). West Quoddy Head, in Lubec, Maine, is the easternmost point of land in the 48 contiguous states. Along the famous rock-bound coast of Maine are lighthouses, beaches, fishing villages, and thousands of offshore islands, including the Isles of Shoals which straddle the New Hampshire border. There are jagged rocks and cliffs and many bays and inlets. Inland are lakes, rivers, forests, and mountains. This visual contrast of forested slopes sweeping down to the sea has been summed up by American poet Edna St. Vincent Millay of Rockland and Camden, Maine, in “Renascence”:
Geologists describe this type of landscape as a “drowned coast”, where a rising sea level has invaded former land features, creating bays out of valleys and islands out of mountain tops. A rise in the elevation of the land due to the melting of heavy glacier ice caused a slight rebounding effect of underlying rock; this land rise, however, was not enough to eliminate all the effect of the rising sea level and its invasion of former land features.
Much of Maine’s geomorphology was created by extended glacial activity at the end of the last ice age. Prominent glacial features include Somes Sound and Bubble Rock, both part of Acadia National Park on Mount Desert Island. Carved by glaciers, Somes Sound is considered to be the only fjord on the eastern seaboard and reaches depths of 175 feet (50 m). The extreme depth and steep drop-off allow large ships to navigate almost the entire length of the sound. These features also have made it attractive for boat builders, such as the prestigious Hinckley Yachts.
Bubble Rock, a glacial erratic, is a large boulder perched on the edge of Bubble Mountain in Acadia National Park. By analyzing the type of granite, geologists were able to discover that glaciers carried Bubble Rock to its present location from near Lucerne – 30 miles (48 km) away. The Iapetus Suture runs through the north and west of the state, being underlain by the ancient Laurentian terrane, and the south and east underlain by the Avalonian terrane.
Acadia National Park is the only national park in New England. Areas under the protection and management of the National Park Service include:
The United States Census Bureau estimates that the population of Maine was 1,338,404 on July 1, 2018, a 0.76% increase since the 2010 United States Census. The population density of the state is 41.3 people per square mile, making it the least densely populated state east of the Mississippi River. As of 2010 Maine was also the most rural state in the Union, with only 38.7% of the state’s population living within urban areas. As explained in detail under “Geography”, there are large tracts of uninhabited land in some remote parts of the interior of the state, particularly in the North Maine Woods.
The mean population center of Maine is located in Kennebec County, just east of Augusta. The Greater Portland metropolitan area is the most densely populated with nearly 40% of Maine’s population. This area spans three counties and includes many farms and wooded areas; the 2016 population of Portland proper was 66,937.
Maine has experienced a very slow rate of population growth since the 1990 census; its rate of growth (0.57%) since the 2010 census ranks 45th of the 50 states. The modest population growth in the state has been concentrated in the southern coastal counties; with more diverse populations slowly moving into these areas of the state. However, the northern, more rural areas of the state have experienced a slight decline in population in recent years.
According to the 2010 Census, Maine has the highest percentage of non-Hispanic whites of any state, at 94.4% of the total population. In 2011, 89.0% of all births in the state were to non-Hispanic white parents.
The table below shows the racial composition of Maine’s population as of 2016.
According to the 2016 American Community Survey, 1.5% of Maine’s population were of Hispanic or Latino origin (of any race): Mexican (0.4%), Puerto Rican (0.4%), Cuban (0.1%), and other Hispanic or Latino origin (0.6%). The five largest ancestry groups were: English (20.7%), Irish (17.3%), French (15.7%), German (8.1%), and American (7.8%).
People citing that they are American are of overwhelmingly English descent, but have ancestry that has been in the region for so long (often since the 1600s) that they choose to identify simply as Americans.
Maine has the highest percentage of French Americans of any state. Most of them are of Canadian origin, but in some cases have been living there since prior to the American Revolutionary War. There are particularly high concentrations in the northern part of Maine in Aroostook County, which is part of a cultural region known as Acadia that goes over the border into New Brunswick. Along with the Acadian population in the north, many French came from Quebec as immigrants between 1840 and 1930.
The upper Saint John River valley area was once part of the so-called Republic of Madawaska, before the frontier was decided in the Webster-Ashburton Treaty of 1842. Over one quarter of the population of Lewiston, Waterville, and Biddeford are Franco-American. Most of the residents of the Mid Coast and Down East sections are chiefly of British heritage. Smaller numbers of various other groups, including Irish, Italian and Polish, have settled throughout the state since the late 19th and early 20th century immigration waves.
Note: Births in table don’t add up, because Hispanics are counted both by their ethnicity and by their race, giving a higher overall number.
Maine does not have an official language, but the most widely spoken language in the state is English. The 2000 Census reported 92.25% of Maine residents aged five and older spoke only English at home. French-speakers are the state’s chief linguistic minority; census figures show that Maine has the highest percentage of people speaking French at home of any state: 5.28% of Maine households are French-speaking, compared with 4.68% in Louisiana, which is the second highest state. Although rarely spoken, Spanish is the third-most-common language in Maine, after English and French.
According to the Association of Religion Data Archives (ARDA), the religious affiliations of Maine in 2010 were:
The Catholic Church was the largest religious institution with 202,106 members, the United Methodist Church had 28,329 members, the United Church of Christ had 22,747 members
In 2010, a study named Maine as the least religious state in the United States.
Zip Code Map
Maine neighborhoods include: Acton, Albany Twp, Albion, Alfred, Amherst, Anson, Arrowsic, Arundel, Ashland, Atkinson, Auburn, Augusta, Bailey Island, Bangor, Bar Harbor, Bass Harbor, Bath, Belfast, Benton, Bethel, Biddeford, Birch Harbor, Blue Hill, Bowdoin, Bowdoinham, Bowerbank, Bridgton, Brooklin, Brooks, Brooksville, Brownfield, Brunswick, Bryant Pond, Bucksport, Bustins Island, Buxton, Camden, Canaan, Cape Elizabeth, Cape Neddick, Caratunk, Caribou, Carmel, Carrabassett Valley, Casco, Castine, Castle Hill, Center Lovell, Chelsea, China, Cliff Island, Clifton, Connor Twp, Corea, Cumberland Center, Cumberland Foreside, Cushing, Dayton, Deer Isle, Denmark, Dennysville, Diamond Cove, Dover Foxcroft, Dresden, East Machias, Eastport, East Waterboro, Eddington, Eliot, Ellsworth, Fairfield, Falmouth, Fletchers Landing Twp, Fort Kent, Frankfort, Franklin, Freeport, Frenchboro, Frenchville, Friendship, Glenburn, Glen Cove, Gorham, Gouldsboro, Grand Isle, Gray, Greenbush, Greene, Greenville, Greenwood, Hampden, Hancock, Harborside, Harpswell, Harrison, Hebron, Hermon, Hope, Islesboro, Kennebunk, Kennebunkport, Kingfield, Kittery, Kittery Point, Lakeville, Lamoine, Lebanon, Lee, Levant, Lewiston, Limestone, Lincoln, Lincolnville, Lisbon, Lisbon Falls, Litchfield, Little Deer Isle, Lovell, Lubec, Lyman, Madawaska, Madison, Manchester, Mapleton, Mariaville, Mason Twp, Mercer, Mexico, Milton Twp, Minot, Monhegan, Monroe, Morrill, Mount Desert, Naples, Newburgh, New Canada, New Gloucester, New Sweden, Norridgewock, North Anson, North Berwick, North Haven, Northport, North Turner, North Yarmouth, Norway, Oakland, Ogunquit, Old Orchard Beach, Orland, Orrs Island, Otis, Otisfield, Owls Head, Oxford, Patten, Peaks Island, Penobscot, Phillips, Phippsburg, Pine Point, Poland, Portland, Pownal, Prospect Harbor, Rangeley, Raymond, Readfield, Richmond, Rockland, Rockport, Rockwood, Rumford, Sabattus, Saco, Saint Agatha, Saint David, Sandy River Plt, Sanford, Sargentville, Scarborough, Searsmont, Searsport, Sebasco Estates, Sebec, Sedgwick, Shapleigh, Sidney, Sinclair, Skowhegan, South Berwick, South China, South Paris, South Portland, Springfield, Springvale, Standish, Steep Falls, St John Plt, Stockton Springs, Stoneham, Stonington, Sunset, Surry, Sweden, Thorndike, Topsham, Trenton, Turner, Unity, Vassalboro, Vinalhaven, Waldoboro, Waltham, Waterford, Waterville, Wells, West Bath, Westbrook, West Enfield, West Forks, West Newfield, West Paris, Windham, Windsor, Winslow, Winter Harbor, Winterport, Winthrop, Woolwich, Yarmouth, York
For more information, see Maine wiki