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 16–30 of 94 in Wisconsin · median 5.00% APR
- 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.44%APRas low as
Terms
Model year 2027 - 2023. Fixed rate. Up to 125% financing.
Auto loan score 91 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 1st Community Credit Union2026 (new) - 2027 (<15,000 miles) Auto Loan · up to 60 months
Credit union · 3 branches
4.44%APRas low asTerms
As low as rate for 60 Mo term.
Auto loan score 89 · Carrot Score 89
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
Terms
Model years 2026-2023 Auto & Recreational. Finance up to 100% of purchase price plus taxes and fees. Payment per $1,000: $18.64. Rate based on term, credit score, and credit tiers.
Auto loan score 89 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Model year 2023 & newer. Rate advertised as low as with payment of $18.64 per $1,000. Membership eligibility required.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Marathon County Employees Credit Union2020 -2022 Secured Loans Vehicle and RV · up to 72 months
Credit union · 2 branches
4.49%APRas low asTerms
As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75%
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Mayo Employees Federal Credit UnionNew Auto (Current Model Year or Newer) · up to 60 months
Credit union · 1 branch
4.49%APRas low asTerms
Actual rate is based on applicant's credit history.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Applies to model years 2021 and newer. Monthly payment is $18.56 per $1,000 borrowed.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate is 'as low as'. Up to 90-day no payments available (interest begins to accrue from date of loan disbursal). Promotional rate condition footnote requires $15,000 new money, eStatements, >=15 debit transactions/mo (excluding ATM), and >=$500/mo direct deposit for 0.50% rebate.
Auto loan score 89 · Carrot Score 89
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 - UnitedOne Credit UnionSecured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft) · up to 60 months
Credit union · 7 branches
4.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2023 and Newer. Monthly payment per $1,000 is $22.04 with optional payment protection. Rate includes .25% autopay discount and .25% Relationship Rewards discount with $5,000 min new money and checking with direct deposit.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 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 - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With Auto Pay. Vehicle model year New - 2026. Merit-based rate based on creditworthiness and term.
Auto loan score 83 · Carrot Score 84
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
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
94 banks and credit unions · checked Oct 16–22
- Typical
- 5.00%
- Top 10% up to
- 4.24%
- Banks, typical
- 6.18%
- Credit unions, typical
- 4.89%
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 · 29 branches
- Oakdale CUCredit union · 3 branches