Bank · FDIC insured
Bank of Sun Prairie Auto Loan Rates
Bank of Sun Prairie auto loans start at 4.70% APR for a new vehicle and 4.70% for a used one. Rates checked October 16, 2026.
How Bank of Sun Prairie’s auto loan rates compare
Compared with banks and credit unions near Madison, WI, where Bank of Sun Prairie has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Bank of Sun Prairie
4.70%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Car Loans
2nd-lowest rate
Madison Fire Department Credit Union
4.87%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Avestar CU
5.00%APR
- Terms
- 37–60 months
- Discount
- None included
Bank of Sun Prairie auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.70%
- Used vehicleUsed4.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bank of Sun Prairie ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Car Loans
Rates reflect a 0.25% discount for automatic payments withdrawn from a Bank of Sun Prairie checking account in borrower's name; without auto-pay, rates are 0.25% higher. Rate discount subject to checking account qualification. Rates based on qualifying credit scores of 720+ and subject to change based on actual credit score and repayment option. Loan is subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.70% | For 2025 or Newer Auto/Truck Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $29.84 per $1,000 borrowed. |
| up to 48 months | 4.70% | For 2025 or Newer Auto/Truck Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $22.89 per $1,000 borrowed. |
| up to 60 months | 4.70% | For 2025 or Newer Auto/Truck Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $18.73 per $1,000 borrowed. |
| up to 72 months | 4.70% | For 2025 or Newer Auto/Truck Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $15.97 per $1,000 borrowed. |
| up to 84 months | 4.70% | For 2025 or Newer Auto/Truck Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $13.99 per $1,000 borrowed. |
| up to 24 months | 6.00% | For 2015 or Older Auto/Truck/Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $44.32 per $1,000 borrowed. |
| up to 36 months | 6.00% | For 2015 or Older Auto/Truck/Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $30.42 per $1,000 borrowed. |
| up to 48 months | 6.00% | For 2015 or Older Auto/Truck/Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $23.49 per $1,000 borrowed. |
| up to 60 months | 6.00% | For 2015 or Older Auto/Truck/Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $19.33 per $1,000 borrowed. |
| up to 72 months | 6.00% | For 2015 or Older Auto/Truck/Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $16.57 per $1,000 borrowed. |
Sources (2)
All captured Oct 16, 2026
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