Auto Loan Rates in Wisconsin (WI) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Wisconsin include Teachers Credit UnionTeachers Credit Union2315 Prairie Ave, Beloit, WI, 53511 2623A+5.0 ★Texas Ratio: 1.19% offering New Cars (2026 - 2024) Loan at 3.99%, Simplicity Credit UnionSimplicity Credit Union222 E Upham St, Marshfield, WI, 54449 1543A5.0 ★Texas Ratio: 10.49% offering Auto Loan at 3.99%, Premier Financial Credit UnionPremier Financial Credit UnionPO Box 158, New Holstein, WI, 53061 0158A+5.0 ★Texas Ratio: 5.06% offering Auto Loans at 3.99%, Middletown Area Schools Credit UnionMiddletown Area Schools Credit Union8348 Corporate Dr, Mount Pleasant, WI, 53406A+5.0 ★Texas Ratio: 1.55% offering New Vehicle Loan at 4.00%, Carpenters Federal Credit UnionCarpenters Federal Credit UnionN25W23055 Paul Rd, Pewaukee, WI, 53072 4144A+5.0 ★Texas Ratio: 1.73% offering 2022 - 2026 New & Used Vehicles Loan at 4.04%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Wisconsin side-by-side. Wisconsin auto loan rates currently start as low as 3.99% APR from Teachers Credit Union at 2315 Prairie Ave, Beloit, WI, 53511 2623. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Wisconsin. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in Wisconsin
Wisconsin Auto Loan Rates
As Low As
APR as low as
APR as low as
As Low As; Rates as low as 3.99% APR* for up to 60 months
As Low As
As Low As
As Low As; Estimated Monthly Payment Per $1000: $29.64
As Low As; Other rates and terms available.
As Low As
APR* as low as
As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 07/06/2026.
As Low As*
Credit Score: 730+
As Low As
over $20,000; As Low As
As Low As
2023 & Newer Vehicles
Financing up to 105% of approx. retail value. Loan rate is based on term, credit score, as well as credit tiers. Qualify for the lowest rate with credit score of 670 or above. Rates are subject to change.
As Low As; Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
As Low As; Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
As Low As; $35,000
As Low As
Credit Score: 680-729
Credit Score: 730+
APR as low as
As Low As; Estimated Monthly Payment Per $1000: $14.02
over $20,000; As Low As
APR is Annual Percentage Rate
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
$25,000; As Low As
over $25,000; As Low As
As Low As
As Low As
Credit Score: 750+
Credit Score: 750+
Credit Score: 680-729
APR as low as
As Low As
2025-2026 models
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Older vehicle loans not eligible for discounts; minimum loan amount $1,000. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
As Low As
As Low As
Credit Score: 749-700
Credit Score: 750+
Credit Score: 749-700
As Low As
As Low As
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
As Low As
Older vehicle loans not eligible for discounts; minimum loan amount $1,000. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
As Low As
Credit Score: 749-700
Credit Score: 750+
Credit Score: 750+
Finance your boat, camper or new vehicle with a rate as low as 5.49% APR*. SCU is offers loan terms up to 84 months for collateral worth more than $30,000. Actual rate determined by credit score. Vehicle loan terms determined by the value of the collateral. We will "Rate Match" up to a maximum of .75% below the current eligible rate with member providing proof of rate eligible elsewhere. Payment equals $15.09 per thousand dollars borrowed
As Low As
2025-2026 models
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Older vehicle loans not eligible for discounts; minimum loan amount $1,000. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
As Low As; Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
2021-2026 models
Older vehicle loans not eligible for discounts; minimum loan amount $1,000. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
2025-2026 models
Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Credit Score: 699-660
Credit Score: 749-700
Credit Score: 699-660
Credit Score: 750+
Credit Score: 749-700
Credit Score: 640-679
APR as low as
As Low As
As Low As
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
2015-2020 models
Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
As Low As
Credit Score: 699-660
Credit Score: 750+
Credit Score: 749-700
Credit Score: 750+
Credit Score: 640-679
As Low As
As Low As
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; Rate based on $40,000 loan amount for 48 months, 100% loan to value (LTV), with a monthly payment of $939.46. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
Credit Score: 699-660
Credit Score: 749-700
Credit Score: 749-700
Credit Score: 750+
Credit Score: 699-660
** Over $20,000 Financed.
As Low As
As Low As
As Low As
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Credit Score: 699-660
Credit Score: 749-700
Minimum Finance Amount: $5,000
ALL CAR LOANS OVER $70,000.00 ADD 3/4 TO THE RATE. Approval and actual rate will depend on your credit history and loan term. The age of collateral securing the loan will impact the APR and term for the following loan types: New and Used Vehicle Loans.
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
2021-2026 models
Credit Score: 659-630
Credit Score: 699-660
Credit Score: 659-630
Credit Score: 699-660
Credit Score: 750+
*** Over $30,000 Financed on 2015 or Newer.
As Low As
2025-2026 models
2014 and Older models
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Model Year: 2020-2027
Model Year: 2020-2027
Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Credit Score: 659-630
Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 699-660
Credit Score: 749-700
ALL CAR LOANS OVER $70,000.00 ADD 3/4 TO THE RATE. Approval and actual rate will depend on your credit history and loan term. The age of collateral securing the loan will impact the APR and term for the following loan types: New and Used Vehicle Loans.
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
*GAP Insurance purchased through the credit union is required
Credit Score: 659-630
Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 659-630
ALL CAR LOANS OVER $70,000.00 ADD 3/4 TO THE RATE. Approval and actual rate will depend on your credit history and loan term. The age of collateral securing the loan will impact the APR and term for the following loan types: New and Used Vehicle Loans.
Model Year: 2020-2027 Motorcycles Only Over $20,000
Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 659-630
Credit Score: 699-660
As Low As
Credit Score: 629-600
Credit Score: 659-630
Credit Score: 629-600
Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 659-630
Credit Score: 600-639
ALL CAR LOANS OVER $70,000.00 ADD 3/4 TO THE RATE. Approval and actual rate will depend on your credit history and loan term. The age of collateral securing the loan will impact the APR and term for the following loan types: New and Used Vehicle Loans.
As Low As
Credit Score: 629-600
Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 659-630
Credit Score: 600-639
As Low As
As Low As
Credit Score: 629-600
Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 629-600
Credit Score: 629-600
Credit Score: 659-630
As Low As
Credit Score: 629-600
Wisconsin New Auto Auto Loan Rates
As Low As
APR as low as
As Low As
As Low As
As Low As; Estimated Monthly Payment Per $1000: $29.64
As Low As
over $20,000; As Low As
As Low As; Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
As Low As; Estimated Monthly Payment Per $1000: $14.02
over $20,000; As Low As
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
$25,000; As Low As
over $25,000; As Low As
Credit Score: 750+
Credit Score: 750+
As Low As
2025-2026 models
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Credit Score: 749-700
Credit Score: 750+
Credit Score: 749-700
As Low As
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Credit Score: 749-700
Credit Score: 750+
As Low As
2025-2026 models
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
2025-2026 models
Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Credit Score: 699-660
Credit Score: 749-700
Credit Score: 699-660
As Low As
As Low As
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Credit Score: 699-660
Credit Score: 750+
As Low As
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Credit Score: 699-660
Credit Score: 749-700
As Low As
As Low As
ALL CAR LOANS OVER $70,000.00 ADD 3/4 TO THE RATE. Approval and actual rate will depend on your credit history and loan term. The age of collateral securing the loan will impact the APR and term for the following loan types: New and Used Vehicle Loans.
Credit Score: 659-630
Credit Score: 699-660
Credit Score: 659-630
As Low As
2025-2026 models
Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Credit Score: 659-630
*GAP Insurance purchased through the credit union is required
Credit Score: 659-630
ALL CAR LOANS OVER $70,000.00 ADD 3/4 TO THE RATE. Approval and actual rate will depend on your credit history and loan term. The age of collateral securing the loan will impact the APR and term for the following loan types: New and Used Vehicle Loans.
As Low As
Credit Score: 629-600
Credit Score: 659-630
Credit Score: 629-600
As Low As
Credit Score: 629-600
As Low As
Credit Score: 629-600
Credit Score: 629-600
Wisconsin Used Auto Auto Loan Rates
APR as low as
As Low As
As Low As
Credit Score: 730+
As Low As; Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
Credit Score: 680-729
Credit Score: 730+
over $20,000; As Low As
over $25,000; As Low As
Credit Score: 680-729
As Low As
Older vehicle loans not eligible for discounts; minimum loan amount $1,000. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
As Low As
Older vehicle loans not eligible for discounts; minimum loan amount $1,000. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
Credit Score: 750+
Older vehicle loans not eligible for discounts; minimum loan amount $1,000. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
2021-2026 models
Older vehicle loans not eligible for discounts; minimum loan amount $1,000. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
Credit Score: 750+
Credit Score: 749-700
Credit Score: 640-679
As Low As
2015-2020 models
As Low As
Credit Score: 749-700
Credit Score: 750+
Credit Score: 640-679
As Low As
As Low As
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Credit Score: 749-700
Credit Score: 750+
Credit Score: 699-660
** Over $20,000 Financed.
As Low As
As Low As
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Credit Score: 699-660
Credit Score: 749-700
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
2021-2026 models
Credit Score: 699-660
Credit Score: 750+
*** Over $30,000 Financed on 2015 or Newer.
As Low As
2014 and Older models
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 699-660
Credit Score: 749-700
ALL CAR LOANS OVER $70,000.00 ADD 3/4 TO THE RATE. Approval and actual rate will depend on your credit history and loan term. The age of collateral securing the loan will impact the APR and term for the following loan types: New and Used Vehicle Loans.
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
*GAP Insurance purchased through the credit union is required
Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 659-630
Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 659-630
Credit Score: 699-660
Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 659-630
Credit Score: 600-639
ALL CAR LOANS OVER $70,000.00 ADD 3/4 TO THE RATE. Approval and actual rate will depend on your credit history and loan term. The age of collateral securing the loan will impact the APR and term for the following loan types: New and Used Vehicle Loans.
Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 659-630
Credit Score: 600-639
As Low As
Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.
Credit Score: 629-600
Credit Score: 629-600
Credit Score: 659-630
As Low As
Wisconsin Auto Loan Rate Trends
Compare local Wisconsin auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Wisconsin new auto rates fell 0.348 points over the past 7 days to 5.472% APR.
Wisconsin used auto rates fell 0.227 points over the past 7 days to 6.727% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wisconsin auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Wisconsin directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Wisconsin. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WI.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Wisconsin
How does my credit score affect my car loan rate in Wisconsin?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Wisconsin?
- Teachers Credit Union: 3.99% (New Cars (2026 - 2024) Loan)
- Simplicity Credit Union: 3.99% (Auto Loan)
- Premier Financial Credit Union: 3.99% (Auto Loans)
- Middletown Area Schools Credit Union: 4.00% (New Vehicle Loan)
- Carpenters Federal Credit Union: 4.04% (2022 - 2026 New & Used Vehicles Loan)
Auto Loan Rates by City in Wisconsin
