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 61–75 of 78 in Wisconsin · median 4.95% APR
- 5.39%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
More details - 5.45%APRas low as
Terms
Rate based on creditworthiness and term of loan. 2016 & newer collateral financed up to 100% of average JD Power values; 2015 & older up to 90%. Applies to both new and used vehicles.
Auto loan score 76 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term.
Auto loan score 71
Rate checked · Auto loans rates on its site
More details - 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
More details - 5.59%APRas low as
Terms
Available for 2023 & newer vehicles. Monthly payment per $1,000 borrowed is $19.14.
Auto loan score 72 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 5.62%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
LOAN TYPE: 2023 - newer. Advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay.
Auto loan score 65 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as · up to 17.24%
5.74% APR, up to 17.24%
Terms
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer). Term 61 - 72 months. Minimum loan amount $20,000. Regular, non-promotional rates range between 4.49% – 17.24% APR based on credit history.
Auto loan score 65 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 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
More details - First Choice Credit UnionVehicles – Cars, Trucks, and Motorcycles · up to 84 months
Credit union · 1 branch
5.79%APRas low asTerms
84 Month loans only available on Brand New DEALERSHIP vehicle purchases ONLY- 650 CREDIT SCORE OR HIGHER ONLY. Actual rates may vary depending on applicants' membership eligibility, credit history, year of vehicle, and/or down payment.
Auto loan score 82 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 5.84%APRas low as
Terms
Model Year: 2026 & 2025. Pmt/$1,000: $19.44.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 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 76
Rate checked · Auto loans rates on its site
More details - 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
More details - 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 76
Rate checked · Auto loans rates on its site
More details - 6.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 or newer. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount.
Auto loan score 64 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - Co-op Credit UnionAuto & Recreational Vehicle Loans 2026 - 2025 with less than 15,000 miles · up to 84 months
Credit union · 9 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
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