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 Wood County, WI · median 5.24% APR
- 4.49%APRas low as
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.72%APRas low as
Terms
Rates are VCCU's lowest for the listed collateral and term. Actual rates may vary based on individual credit worthiness and year of vehicle being financed. Monthly payment per $1,000 borrowed is $18.74.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
Rates as low as stated APR based on creditworthiness. Monthly payment of $18.96 per $1,000.
Auto loan score 76 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%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 72 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 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 81 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 7.00%APRas low as
Terms
Maximum term 60 months. 100% financed. Monthly payment is $19.80 per $1,000 borrowed. Rates apply to credit scores of 700 or higher; lower scores result in higher rates. Deduct 0.50% with PCSB checking and direct deposit. Accurate as of October 30, 2025.
Auto loan score 61 · Carrot Score 63
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 Wood County, WI
6 banks and credit unions · checked Oct 16
- Typical
- 5.24%
- Top 10% up to
- 4.60%
- Banks, typical
- 7.00%
- Credit unions, typical
- 5.19%
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 Rapids, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Simplicity Credit UnionCredit union · 2 branches
- Valley Communities Credit UnionCredit union · 3 branches