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 31–45 of 94 in Wisconsin · median 5.00% APR
- 4.59%APRas low as
Terms
Rates as low as 4.59% APR for 60 months. Great rates on new Cars, Trucks and SUV's
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
Rate based on creditworthiness and term of loan. For new or pre-owned cars, trucks, snowmobiles, ATVs, or RVs, and refinancing.
Auto loan score 88 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
With 0.50% Rate Discount Special. Applies to new purchases or refinances to TCU (not loans currently financed by TCU). Monthly payment $18.71 per $1,000.
Auto loan score 81 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2025 or Newer Auto/Truck Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $13.99 per $1,000 borrowed.
Auto loan score 86
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 - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2022 and Newer. Monthly payment based on $18.75 per $1,000. Stated rate includes rate discount for direct deposit to KCU checking with eStatements. Up to 110% of JD Power value.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
60 Month New Auto Loans. Model Year 2024 and Newer. New/Refinance. Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Requirements: 21+ debit or credit card transactions per month (transaction count is not a combination of debit and credit card transactions; debit posted within calendar month, credit posted between 27th of previous month and 26th of current month; excludes ATM/cash) and minimum of $1,500 in direct deposit(s) and/or mobile deposit within last 31 days into qualifying account; must maintain open consumer checking account within same membership. Electronic payment indicated; add 1% for non-electronic payment method.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
Rates and terms based on approved credit, FICO score, and loan type. 0.25% rate discount available with Auto Pay.
Auto loan score 86 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Terms
Rates as low as 4.80% APR for model years 2025-2027. Term choices of 36, 48, 60, 72, and 84 months. No money down required subject to credit approval and collateral value. Rate discount with uChoose Rewards points.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Madison Fire Department Credit UnionAuto Loan (2024 - 2026) · up to 60 months
Credit union · 1 branch
4.87%APRas low asTerms
Model year 2024 - 2026. Payment per $1,000 borrowed is $18.81.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Monthly payment per $1,000 borrowed is $17.31.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Iron County Community Credit UnionNew Auto & Motorcycles 2026-2025 · up to 60 months
Credit union · 2 branches
4.94%APRas low asTerms
A+ tier base rate. Payment per $1,000 is $19.03.
Auto loan score 80 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Auto loan score 86 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: New Yet to be Titled. Rate shown includes a 0.50% Auto Pay discount when repayment is set up via payroll deduction or automatic transfer from an SCU savings or checking account. Subject to credit approval.
Auto loan score 76 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year 2026 - 2023. Minimum loan amount $8,000. Payment per $1,000 is $18.87. Rates based on credit history.
Auto loan score 83 · Carrot Score 87
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