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 78 in Wisconsin · median 4.95% APR
- MCU Financial Center CU2024 & Newer Automobiles and Motorcycles · up to 72 months
Credit union · 1 branch
3.49%APRas low asAuto loan score 99 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 3.50%APRas low as
Terms
Monthly payment per thousand is $15.42.
Auto loan score 98 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 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 94 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 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 95 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
Age of vehicle New - 2017. 'As low as' 3.99% APR offer requires at least a $10,000 new loan amount, a credit score of 720 or higher and vehicle year of 2017 or newer. Offer ends 10/31/26.
Auto loan score 95 · Carrot Score 96
Rate checked · Auto loans rates on its site
More details - 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 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 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
More details - 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
More details - Community First Credit UnionVehicle Loans - Cars, Trucks, & Cycles · up to 60 months
Credit union · 30 branches
4.25%APRas low asTerms
As low as rate for 2025 & newer model years. Account relationship and credit score determine rate. All loans subject to credit approval.
Auto loan score 93 · Carrot Score 98
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 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 91 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.44%APRas low as
Terms
Model year 2027 - 2023. Fixed rate. Up to 125% financing.
Auto loan score 92 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 1st Community Credit Union2026 (new) - 2027 (<15,000 miles) Auto Loan · up to 60 months
Credit union · 3 branches
4.44%APRas low asTerms
As low as rate for 60 Mo term.
Auto loan score 90 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
Limited to 2022 & newer models.
Auto loan score 90 · Carrot Score 89
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
78 banks and credit unions · checked Oct 23–31
- Typical
- 4.95%
- Top 10% up to
- 4.25%
- Credit unions, typical
- 4.95%
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