Compare Bank & Credit Union Rates
Best auto loan rates in Wisconsin
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 94 in Wisconsin · median 5.00% APR
- Community First Credit UnionMarathon Loan Sale – Cars, Trucks & Cycles (2020 to 2026) · up to 66 months
Credit union · 29 branches
3.50%APRas low asTerms
Available for 2021 & newer model years only. Monthly payment is based on payment per $1,000 for term and rate shown ($16.68/mo). Requires minimum $10,000 new money to Community First. Cannot be combined with other discounts. Sale ends October 5, 2026.
Auto loan score 98 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 3.98%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Direct Deposit & Autopay. 2020 & Newer.
Auto loan score 93 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Competitive rates, as low as 3.99% APR*. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required.
Auto loan score 94 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes a 0.25% deduction for automatic payments. Actual rate may vary based on credit score and other factors.
Auto loan score 94 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Applicable to vehicle model years New - 2017. As low as 3.99% APR offer requires at least a $10,000 new loan amount and a credit score of 720 or higher. Offer ends 10/31/26.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
$20,000 minimum loan. Payment per $1,000 borrowed is $15.64. $5,000 new money or refinance from another financial institution.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Auto loan score 96 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.
Auto loan score 93 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year 2023 & newer; term up to 5 years. Additional 0.25% APR discount on Hybrid and Electric vehicles.
Auto loan score 93 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as · up to 11.49%
4.24% APR, up to 11.49%
Terms
Model years 2026-2022. APR range spans credit tiers (A+) 730+ (4.24%) to (E) 0-549 (11.49%). Collateral value over $5,000 or new vehicle for up to 60 months.
Auto loan score 91 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Monthly payment per thousand is $18.53.
Auto loan score 95 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Auto loan score 91 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - Racine Municipal Employees Credit UnionAuto Loans - New 2026-2027 · 36–60 months
Credit union · 1 branch
4.25%APRas low as · up to 5.00%4.25% APR, up to 5.00%
Terms
Base APR is 5.00%; rate discounts up to -0.75% available (4.25% - 5.00% APR)
Auto loan score 90 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
New or Used Vehicles and Motorcycles (2022 & Newer). Monthly payment $18.53 per $1,000.
Auto loan score 90 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Wisconsin
94 banks and credit unions · checked Oct 16–22
- Typical
- 5.00%
- Top 10% up to
- 4.24%
- Banks, typical
- 6.18%
- Credit unions, typical
- 4.89%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Wisconsin
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Fort Community Credit UnionCredit union · 5 branches
- Community First Credit UnionCredit union · 29 branches
- Oakdale CUCredit union · 3 branches