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 1–14 of 14 in Oshkosh, WI metro · median 4.54% APR
- Community First Credit UnionMarathon Loan Sale – Cars, Trucks & Cycles (2020 to 2026) · up to 66 months
Credit union · 10 branches
3.50%APRas low asTerms
Available for 2021 & newer model years only. Monthly payment is based on payment per $1,000 for term and rate shown ($16.68/mo). Requires minimum $10,000 new money to Community First. Cannot be combined with other discounts. Sale ends October 5, 2026.
Auto loan score 98 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 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 93 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
$20,000 minimum loan. Payment per $1,000 borrowed is $15.64. $5,000 new money or refinance from another financial institution.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 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
Rates and branches - 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
Rates and branches - 4.49%APRas low as
Terms
2021 + newer models APR as low as.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires a minimum loan amount of $15,000. As low as APR reflects a one-time $59 loan processing fee for funded loans, LTV \u2264 80% for secured collateral, credit score \u2265 725, active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. APR based on a $20,000 loan.
Auto loan score 89 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 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 73
Rate checked · Auto loans rates on its site
Rates and branches - 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
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 - 6.24%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 - North Shore BankAuto Loan Interest Rates for 2025+ Model Year Vehicles · up to 60 months
Bank · 1 branch
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 - 8.24%APRas low as
Terms
Maximum loan-to-value ratio up to 90%. Rates may vary based on credit score, loan-to-value ratio, year of vehicle, and loan amount.
Auto loan score 60 · Carrot Score 73
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 Oshkosh, WI metro
14 banks and credit unions · checked Oct 15–16
- Typical
- 4.54%
- Top 10% up to
- 3.98%
- Banks, typical
- 6.74%
- Credit unions, typical
- 4.36%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Oshkosh, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Community First Credit UnionCredit union · 10 branches
- Evergreen Credit UnionCredit union · 1 branch
- Capital Credit UnionCredit union · 2 branches