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 1–6 of 6 in Watertown, WI metro · median 5.88% APR
- 5.00%APRas low as
Auto loan score 78 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Monthly payment is $18.98 per $1,000
Auto loan score 77 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 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
Rates and branches - 5.93%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 65 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 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 - 7.38%APRas low as
Terms
Credit score >= 760. Minimum term 1 year, maximum term 5 years (terms in excess add 0.50% for 1 year or 1.00% for 2 years). APR based on $10k loan amount. Borrower must pay all lien filing fees.
Auto loan score 61 · Carrot Score 78
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 Watertown, WI metro
6 banks and credit unions · checked Oct 5–16
- Typical
- 5.88%
- Top 10% up to
- 5.12%
- Banks, typical
- 6.65%
- Credit unions, typical
- 5.54%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Watertown, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Fort Community Credit UnionCredit union · 4 branches