Auto | Home Equity | Line of Credit | Recreational Vehicle | Secured Loans

Personal loans with flexible terms

If you’re weighed down by too much credit card debt, medical bills, car repairs or other unexpected expenses, consolidating these bills with a Town & Country Personal Loan may be the answer to get back on track.

Flexible terms and flexible payments

By using a flexible Personal Loan to pay off your high-interest debts, you will slowly work your way to a debt free future. We'll help you take charge of your debt and come up with one manageable monthly payment that fits your budget, so you can simplify your life and save more in the future. 

A Town & Country Flex Loan is a great way to fund any planned or unexpected expenses, or to consolidate debt without tapping into your home's equity. Enjoy:

  • 12-month holiday loans
  • Fuel loans
  • Competitively low rates
  • Discounted rates with automatic payment and other services
  • Flexible terms to fit your budget
  • Apply in minutes -- in person, online, or over the phone
  • Local, Southern Maine decision-making for faster approvals
  • Personalized, friendly service from start to finish

As your credit score improves, there may be a chance to receive a one-time interest rate reduction on your loan.

Just call us at (800) 649-3495, stop by a convenient branch location or apply online.

Auto Loans

In the market for a new car or truck? You can finance your new or used vehicle  directly with us. Just apply online, call (800) 649-3495 or stop by a convenient branch location to apply.

Refinance Your Existing Loan

By refinancing an existing loan from another financial institution, you may be able lower your monthly payment, shorten the terms of your loan, and pay it off sooner. Call (800) 649-3495 or stop by a convenient branch location to see how you can save.

  • Great rates on new and used vehicles
  • Flexible terms that fit your budget
  • A wide range of financing options available:
    • Terms up to 96 months
    • Up to 120% financing available
    • Discounted loan rates with Town & Country products
  • Easy application process
  • Get pre-approved for extra bargaining power at the dealership
  • Local, Southern Maine decision-making for faster approvals
  • Apply in just minutes online, in person or by calling (800) 649-3495
  • Personalized, friendly service from start to finish

Auto Dealers

When buying a new or used car, you can finance with a Town & Country loan right at the dealership. Just tell the dealer that you want a Town & Country loan. Any of the following dealers can provide you with Town & Country financing without visiting a branch location first. Select your vehicle and obtain Town & Country Financing at the same time.

  • Advanced Auto Sales Inc.
  • Arundel Ford
  • Auto Barn, The
  • AutoMile Motors
  • Berlin City
  • Bill Dodge Auto Group
  • Brunswick Ford Sales
  • Casco Bay Ford
  • Crossroads Automotive
  • Discount Dave's Auto World
  • DNK Select
  • Economy Auto Sales
  • Evergreen Subaru
  • Euro Motors
  • Frank Galos
  • Good Guys Used Cars
  • Harpswell Auto Sales
  • Imported Motor Cars of Freeport
  • Independent Auto
  • K & R Auto Sales
  • Lake City Exports
  • Lee Auto
  • Lee Auto—Windham
  • Lee Credit Express
  • MacDonald Motors
  • Marc Motors
  • Morong Brunswick
  • Morong Falmouth Motors
  • O'Connor Wheels
  • Norman-David Suzuki
  • North Berwick Auto Center
  • North Country Auto
  • Norm's Used Cars
  • Ossipee Trail Motor Sales
  • Pape Chevrolet
  • Pape Mitsubishi
  • Pape Subaru
  • Patriot Subaru
  • Paulin's Tire & Auto Care
  • Portland Volvo
  • Prime Motor Group
  • Quirk Chevy of Portland
  • Rowe Auburn
  • Rowe Ford
  • Sebago Lake Automotive
  • Southern Maine Chrysler, Dodge & Jeep
  • Weirs GMC
  • Wiscasset Ford
  • Yankee Ford

Buying Consultants

Want to take the hassle out of buying your next car? The Auto Buying Consultants of Maine are here to help.

Learn More

  • 38 years of industry experience
  • A refreshing alternative for acquiring any new or used vehicle.
  • Committed to providing value, quality and responsive customer service, while eliminating traditional purchase frustrations.
  • Tailor service to the specific needs of each individual by actively listening.
  • Accountable for their results.
Apply Now

Home Equity Loans

Whether you want to remodel the kitchen, refresh a bath, add a room or prepare your home after another Maine winter, we'll help you find the right home equity loan with flexible payments that will fit your budget.

  • Utilize the equity you've built in your home as collateral
  • Competitively low rates
  • Fixed rate options
  • Flexible terms that fit your budget
  • No annual fees or early cancellation penalties
  • Discounted rates with automatic payment and other services
  • Borrow up to 90% of your home's value
  • Loans up to $500,000
  • Local, Southern Maine decision-making for faster approvals
  • Personalized, friendly service from start to finish
  • Apply in just minutes - in person, in branch
  • Convenient online access
  • Refinancing available

View our rates

Apply Now

Home Equity Line of Credit

Life is good. Make it even better with a Home Equity Line of Credit. At Town & Country, we can help you turn the equity you've built in your home into an affordable and easily accessible line of credit for almost any personal need.

Whether it's for a fix-up project, a family vacation or whatever life sends your way, you're always prepared with money that can be accessed at any time. There's no re-application process necessary, and you only pay interest on the part used. Benefit from one of your greatest assets today.

Home Equity Line of Credit: Principal & Interest

  • Utilize the equity you've built in your home as collateral
  • Competitively low rates
  • Regular payments made toward principal and interest
  • Pay only 1.5% per month on the unpaid loan balance as of the last time used
  • Funds accessible at anytime
  • Reuse without reapplying
  • Only pay interest on the part used
  • Local, Southern Maine decision-making for faster approvals
  • Personalized, friendly service from start to finish
  • Apply in just minutes - online, in person, or over the phone
  • Manage your account online

View our rates

Home Equity Line of Credit: Interest Only

An Interest Only Home Equity Line of Credit allows you to pay less toward the beginning of the payment process. Then later on down the road, you will pay toward not only the interest, but the outstanding principal balance as well.

  • Utilize the equity you've built in your home as collateral
  • Excellent interest rates
  • Pay minimum interest payments
  • Funds accessible at anytime
  • Reuse without reapplying
  • Local, Southern Maine decision-making for faster approvals
  • Personalized, friendly service from start to finish
  • Apply in just minutes – in person, in branch
  • Manage your account online 
Apply Now

Recreational Vehicle Loans

With winter right around the corner, now is the perfect time to purchase that outdoor toy you’ve been thinking of and plan your winter fun. Whether you are shopping for a ATV or dreaming of hitting the snowy trails with a new snowmobile, Town & Country has a recreational loan that is right for you.

You’ll find competitive loan interest rates as well as flexible payment terms with low monthly payment options. Plus, with little or no money down, you’ll be able to buy your new recreational vehicle and start enjoying the great outdoors in no time.

  • Competitively low rates for recreational vehicles:
  • Boats, snowmobiles, motorcycles, RVs, ATVs, and more
  • Flexible terms that fit your budget
  • Discounted rates with automatic payment and other services
  • A wide range of financing options available
  • Pre-approvals and NADA resources to negotiate a great deal
  • Local, Southern Maine decision-making for faster approvals
  • Apply in just minutes online, over the phone or in person
  • Personalized, friendly service from start to finish


    Refinancing

    If you've already got a loan with another financial institution, refinancing might be the solution. With our low rates, we could save you a bundle.

    Apply Now

    Secured Loans

    Building credit is a delicate business. We've all missed a payment here or there or bounced a check. But if it happens too often, you can end up with a credit rating that's hard to bring back up. 

    A Secured Loan offers a great way to start getting things back on track. Use your Town & Country savings or certificate accounts as collateral to get financing to be used however you like. On top of building credit, we offer competitive rates and terms that are customized to your unique situation.

    • Competitively low rates for a wide range of personal needs
    • Added security helps secure lower rates
    • Flexible terms that fit your budget
    • Discounted loan rates with automatic payment AND direct deposit
    • Local, Southern Maine decision-making for faster approvals
    • Apply in just minutes - in person, in branch
    • Personalized, friendly service from start to finish
    Apply Now

    Loan Protection

    Protect yourself in the event of unforeseen circumstances with Loan Protection Plus through Town & Country Federal Credit Union. Loan protection will help cancel or reduce repayments of debt at times when other things in life may take priority.

    • Loan protection in the event unforeseen circumstances should occur
    • Simple eligibility requirements
    • Enrollment is fast and easy
    • Add protection right over the phone
    • Available for consumer loans, home equity loans, and credit card debt

    Let us help you find a program that fits your budget and financial needs. 

    Learn more about the many benefits of loan protection.

    Skip-A-Payment

    When life happens and you need a little extra cash to get by, try skipping a monthly payment on one of your Town & Country loans. 

    It’s a simple and convenient way to free up cash when you need it the most. Town & Country’s new self-service Skip-a-Payment program is now available year-round. Just log in to your online banking account any time from your computer or laptop, click “Skip-a-Payment” from the menu bar and follow the four easy steps to sign up.

    You can skip a loan payment on eligible Town & Country loans when it is convenient for you:

    • Choose to skip a loan payment any time of year
    • Self-service program—just log in to online banking
    • Skip up to two payments on eligible loans every 12 months
    • Skip a payment on multiple loans including auto and flex loans
    • Real estate loans and credit cards are not eligible
    • $30 participation fee

    To qualify, a loan cannot be 30 days past due at the time of the Skip-a-Payment request. Interest will continue to accrue on unpaid balances through the skipped payment period. Real estate loans and credit cards are not eligible for the Skip-a-Payment service.

    The $30 Skip-a-Payment participation fee can be deducted from your Town & Country checking or savings account, or be added to the loan balance.