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 76–90 of 94 in Wisconsin · median 5.00% APR
- 5.95%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2024 to 2026 (New). Rate is as low as. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account.
Auto loan score 64 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Cloverbelt Credit UnionNew/Used Cars/Trucks (2020 - 2026) · up to 84 months
Credit union · 4 branches
5.99%APRas low asTerms
Minimum of $18,000 to finance; new vehicles only. Lowest available rate; may vary based on down payment, age of collateral, mileage, credit history, and credit score. Model years 2020 - 2026. Payment per $1,000 borrowed is $14.60.
Auto loan score 64 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Golden Rule Community Credit UnionAuto, Truck, Van, Motorcycle, Boats, Campers, & RVs · up to 60 months
Credit union · 1 branch
6.00%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment per $1,000 is $21.58. Rate stated as 'as low as' under Relationship Rewards.
Auto loan score 66 · Carrot Score 75
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 - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.15%APRas low as
Terms
New Vehicle
Auto loan score 64 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 6.18%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year: 2025–2026 New. Advertised APR assumes excellent borrower credit history with Auto-Pay from a Tri City National Bank Checking Account.
Auto loan score 63 · Carrot Score 66
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 · 8 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 - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as · up to 16.49%with conditions
6.24% APR, up to 16.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes automatic payment and electronic document discount.
Auto loan score 63 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.74%APRas low as
Terms
Model year New - 2019
Auto loan score 62 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 7.00%APRas low as
Terms
Maximum term 60 months. 100% financed. Monthly payment is $19.80 per $1,000 borrowed. Rates apply to credit scores of 700 or higher; lower scores result in higher rates. Deduct 0.50% with PCSB checking and direct deposit. Accurate as of October 30, 2025.
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - North Shore BankAuto Loan Interest Rates for 2025+ Model Year Vehicles · up to 60 months
Bank · 41 branches
7.25%APRas low asTerms
Payment is $19.92 per $1,000 borrowed. Available to well-qualified borrowers.
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 7.25%APRas low as · up to 13.25%
7.25% APR, up to 13.25%
Auto loan score 61 · Carrot Score 89
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