Compare Bank & Credit Union Rates
Best auto loan rates in Onalaska, WI
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 1–9 of 9 in La Crosse County, WI · median 4.64% APR
- 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 - 1st Community Credit Union2026 (new) - 2027 (<15,000 miles) Auto Loan · up to 60 months
Credit union · 1 branch
4.44%APRas low asTerms
As low as rate for 60 Mo term.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Mayo Employees Federal Credit UnionNew Auto (Current Model Year or Newer) · up to 60 months
Credit union · 1 branch
4.49%APRas low asTerms
Actual rate is based on applicant's credit history.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires a minimum loan amount of $15,000. As low as APR reflects a one-time $59 loan processing fee for funded loans, LTV \u2264 80% for secured collateral, credit score \u2265 725, active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. APR based on a $20,000 loan.
Auto loan score 89 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
Rate based on creditworthiness and term of loan. For new or pre-owned cars, trucks, snowmobiles, ATVs, or RVs, and refinancing.
Auto loan score 88 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05.
Auto loan score 82 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.77%APRas low as
Terms
APR as low as 5.77%. Monthly payment per $1,000 borrowed is $19.11. Minimum loan amount $1,000.
Auto loan score 68 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 6.01%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.005% APR on loans for new or pre-owned cars and trucks with terms up to 84 months. Based on highest credit tier; includes 0.25% autopay discount and $175 processing fee. Example given for 2025 or newer vehicle, 60-month term on $20,000 loan at 5.64% interest rate (6.005% APR).
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - Co-op Credit UnionAuto & Recreational Vehicle Loans 2026 - 2025 with less than 15,000 miles · up to 84 months
Credit union · 2 branches
6.19%APRas low asTerms
Purchase of new auto/truck/motorcycle only. Monthly payment per $1,000 borrowed is $14.70.
Auto loan score 81 · Carrot Score 91
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 La Crosse County, WI
9 banks and credit unions · checked Oct 15–16
- Typical
- 4.64%
- Top 10% up to
- 4.35%
- Banks, typical
- 6.00%
- Credit unions, typical
- 4.62%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
La Crosse, WI-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 6 branches
- Governmental Employees Credit UnionCredit union · 1 branch
- Gundersen Credit UnionCredit union · 1 branch