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 Eau Claire County, WI · median 5.42% APR
- 4.49%APRas low as
Terms
For model year 2021 and newer vehicles. Promotional rate for applications received September 1, 2026, through October 31, 2026. 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
Rates and branches - 5.04%APRas low as
Terms
Monthly payment $18.10 per $1,000.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment of $18.99 per $1,000 borrowed.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 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
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 - Co-op Credit UnionAuto & Recreational Vehicle Loans 2026 - 2025 with less than 15,000 miles · up to 84 months
Credit union · 1 branch
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
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 Eau Claire County, WI
6 banks and credit unions · checked Oct 15–16
- Typical
- 5.42%
- Top 10% up to
- 4.76%
- Banks, typical
- 5.25%
- Credit unions, typical
- 5.42%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Eau Claire, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Marine Credit UnionCredit union · 3 branches
- Co-op Credit UnionCredit union · 1 branch
- WESTconsin Credit UnionCredit union · 3 branches