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 46–60 of 94 in Wisconsin · median 5.00% APR
- 4.99%APRas low as · up to 6.99%
4.99% APR, up to 6.99%
Terms
Credit score 735+ base rate 4.99% (PMT/$1K $16.10); +1% APR for credit score 636-734 (5.99%, PMT/$1K $16.57); +2% APR for credit score 635 or less (6.99%, PMT/$1K $17.05); +1% APR for collateral less than $10,000
Auto loan score 83 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 78 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Monthly payment of $18.87 per $1,000
Auto loan score 77 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 16.00%
5.00% APR, up to 16.00%
Terms
60 months, up to 15,000 miles. Credit Score 850-750: 5.00%, 749-700: 5.50%, 699-650: 6.00%, 649-600: 11.00%, 599-500: 16.00%. Rates lowered by 0.50% if loan-to-collateral value is 80% or less.
Auto loan score 75 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
2026-2027 year models
Auto loan score 75 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Monthly payment $18.10 per $1,000.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Guardian Credit UnionRelationship Pricing New Auto/Motorcycles · 49–60 months
Credit union · 6 branches
5.14%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Payment per $1,000 is $18.94. Includes maximum 0.30% APR Relationship Pricing Program discount.
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low aswith conditions
This rate needs autopay.
Terms
Model year 2025 & Newer. If over 10,000 miles, add 0.20% APR.
Auto loan score 76 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
Rates as low as stated APR based on creditworthiness. Monthly payment of $18.96 per $1,000.
Auto loan score 76 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model Year 2017-2019
Auto loan score 79 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - WESTconsin Credit UnionSecured Vehicles | 2022 and Newer · up to 60 months
Credit union · 20 branches
5.24%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment of $18.99 per $1,000 borrowed.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Monthly payment is $18.98 per $1,000
Auto loan score 77 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 9.99%
5.24% APR, up to 9.99%
Terms
Standard rates for credit scores 750+ (A+) down to 599-0 (E).
Auto loan score 73 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Vehicle: New. Payment per $1,000 is $18.99.
Auto loan score 73 · Carrot Score 75
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