Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 18 in Wisconsin · median 6.16% APR
- 4.49%APRas low as
Terms
For model year 2021 and newer vehicles. Promotional rate for applications received September 1, 2026, through November 30, 2026. Purchase and refinance loans. Maximum term 72 months. No additional rate discounts apply. Subject to credit approval.
Auto loan score 83
Rate checked · Auto loans rates on its site
More details - 4.70%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
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.
Auto loan score 86
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as · up to 11.25%
5.25% APR, up to 11.25%
Terms
*The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs.
Auto loan score 72 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 72 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 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. Based on highest credit tier on a 2025 or newer model year vehicle and includes an optional 0.25% rate reduction for automatic payments from an Old National checking account. Includes a $175 processing fee financed into the loan. Loan terms up to 84 months. Example based on a $20,000 loan financed for 60 months at 5.64% interest rate (6.005% APR).
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.09%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit ($870.81 monthly payment). 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. May not include a $195 loan origination fee for Indiana applications.
Auto loan score 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 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
More details - 6.15%APRas low as
Terms
New Vehicle
Auto loan score 64 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 6.17%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle Year 2023. With Auto Pay from Ixonia Bank Checking account (reflects 0.25% interest rate reduction).
Auto loan score 64 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 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
More details - 6.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of October 16, 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 6.50% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 62 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 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. Eligible for direct deposit AND checking account discount of .50%. Accurate as of October 23, 2026.
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 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
More details - 7.38%APRas low as · up to 10.38%
7.38% APR, up to 10.38%
Terms
Lowest mid credit score of all borrower/cosigners used to determine interest rate. APR ranges across credit tiers: >=760 (7.375% rate / 7.384% APR), 759-720 (8.375% rate / 8.384% APR), 719-670 (9.375% rate / 9.384% APR), and <670 (10.375% rate / 10.384% APR). APR based on $10,000 loan amount. Terms in excess of max terms add 0.50% for additional 1 year term or 1.00% for additional 2 year term.
Auto loan score 61 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details
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
18 banks and credit unions · checked Oct 23–30
- Typical
- 6.16%
- Top 10% up to
- 5.08%
- Banks, typical
- 6.16%
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 · 30 branches
- Evergreen Credit UnionCredit union · 2 branches