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Madison, Wisconsin Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Madison, Wisconsin. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Madison, Wisconsin include Minnesota Catholic Credit UnionMinnesota Catholic Credit Union5325 Wall St Ste 1000, Madison, WI, 53718A+5.0 ★Texas Ratio: 0.38% offering New Autos 2022-newer at 4.49%, Avestar Credit UnionAvestar Credit Union3401 W Beltline Hwy, Madison, WI, 53713A5.0 ★Texas Ratio: 9.07% offering New Autos/ Motor Cycles 2025 Or Newer at 4.50%, Madison Credit UnionMadison Credit Union949 E Washington Ave, Madison, WI, 53703A+5.0 ★Texas Ratio: 0.89% offering New Car Loans at 4.99%, Landmark Credit Union WILandmark Credit Union WI1101 Spring St, Madison, WI, 53715A+5.0 ★Texas Ratio: 2.82% offering Auto Loan at 5.14%, University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union3500 University Ave, Madison, WI, 53705A+5.0 ★Texas Ratio: 3.95% offering New Auto Loan at 5.22%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Madison has 8 local institutions in our database, with auto loan rates as low as 4.49% APR from Minnesota Catholic Credit Union at 5325 Wall St Ste 1000, Madison, WI, 53718. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Madison, Wisconsin. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Madison, Wisconsin & Surrounding Area
Madison Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.49% - 11.49%.
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
New Autos/ Motor Cycles 2025 Or Newer
4.50%
1-36 months
▼
APR4.50%
Term1-36 months
Last UpdatedSep 22, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.99% - 11.99%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Car Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 22, 2026
Details
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
4.99%
Up to 36 Months
▼
APR4.99%
Interest Rate4.99%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Grade: A+
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
4.99%
37 to 48 Months
▼
APR4.99%
Interest Rate4.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Grade: A+
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
New Autos/ Motor Cycles 2025 Or Newer
5.00%
37-60 months
▼
APR5.00%
Term37-60 months
Last UpdatedSep 22, 2026
Details
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
Used Autos/ Motor Cycles 2020 to 2024
5.00%
1-36 months
▼
APR5.00%
Term1-36 months
Last UpdatedSep 22, 2026
Details
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
5.14%
Up to 36 months
▼
APR5.14%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 & 2025
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2024
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
New Auto Loan
5.22%
48 Months
▼
APR5.22%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low As
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
Used Auto Loans
5.22%
36 Months
▼
APR5.22%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.24% - 12.24%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.24%
Up to 36 Months
▼
APR5.24%
Interest Rate5.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.24%
37 to 48 Months
▼
APR5.24%
Interest Rate5.24%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.24%
49 to 60 Months
▼
APR5.24%
Interest Rate5.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Grade: A+
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
New Autos/ Motor Cycles 2025 Or Newer
5.25%
61-75 months
▼
APR5.25%
Term61-75 months
Last UpdatedSep 22, 2026
Details
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
Used Autos/ Motor Cycles 2020 to 2024
5.25%
37-60 months
▼
APR5.25%
Term37-60 months
Last UpdatedSep 22, 2026
Details
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 & 2025
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
Used Auto Loans
5.42%
48 Months
▼
APR5.42%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low As
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
5.44%
48 Months
▼
APR5.44%
Term48 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2024
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
5.44%
36 Months
▼
APR5.44%
Term36 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.49% - 12.49%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.49%
49 to 60 Months
▼
APR5.49%
Interest Rate5.49%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.49%
61 to 72 Months
▼
APR5.49%
Interest Rate5.49%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Grade: A+
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Car Loans
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedSep 22, 2026
Details
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
5.49%
Up to 36 Months
▼
APR5.49%
Interest Rate5.49%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Grade: A+
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
New Auto Loan
5.52%
60 Months
▼
APR5.52%
Term60 Months
Last UpdatedSep 22, 2026
Details
As Low As
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
5.64%
63 Months
▼
APR5.64%
Term63 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 & 2025
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
New Auto Loan
5.67%
72 Months
▼
APR5.67%
Term72 Months
Last UpdatedSep 22, 2026
Details
As Low As
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
Used Auto Loans
5.67%
60 Months
▼
APR5.67%
Term60 Months
Last UpdatedSep 22, 2026
Details
As Low As
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
5.69%
63 Months
▼
APR5.69%
Term63 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2024
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.74% - 12.74%.
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2017-2021
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.74% - 12.74%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.74%
Up to 36 Months
▼
APR5.74%
Interest Rate5.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.74%
37 to 48 Months
▼
APR5.74%
Interest Rate5.74%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.74%
61 to 72 Months
▼
APR5.74%
Interest Rate5.74%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
5.74%
Up to 36 Months
▼
APR5.74%
Interest Rate5.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
5.74%
37 to 48 Months
▼
APR5.74%
Interest Rate5.74%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Grade: A+
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
5.99%
63 Months
▼
APR5.99%
Term63 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2017-2021
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.99% - 12.99%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.99%
49 to 60 Months
▼
APR5.99%
Interest Rate5.99%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.99%
73 to 84 Months
▼
APR5.99%
Interest Rate5.99%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Grade: A+
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
5.99%
37 to 48 Months
▼
APR5.99%
Interest Rate5.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
5.99%
49 to 60 Months
▼
APR5.99%
Interest Rate5.99%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Grade: A+
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
22 E Mifflin St, Madison, WI, 53703
New car purchase Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
22 E Mifflin St, Madison, WI, 53703
New car rate Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
22 E Mifflin St, Madison, WI, 53703
Used car purchase Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
22 E Mifflin St, Madison, WI, 53703
Used car rate Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
6.14%
75 Months
▼
APR6.14%
Term75 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 & 2025
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
6.19%
75 Months
▼
APR6.19%
Term75 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2024
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2017-2021
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedSep 22, 2026
Details
Published APR range: 6.24% - 13.24%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.24%
61 to 72 Months
▼
APR6.24%
Interest Rate6.24%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.24%
73 to 84 Months
▼
APR6.24%
Interest Rate6.24%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.24%
Up to 36 Months
▼
APR6.24%
Interest Rate6.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.24%
49 to 60 Months
▼
APR6.24%
Interest Rate6.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.24%
61 to 72 Months
▼
APR6.24%
Interest Rate6.24%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Grade: A+
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
New Autos/ Motor Cycles 2025 Or Newer
6.25%
76-84 months
▼
APR6.25%
Term76-84 months
Last UpdatedSep 22, 2026
Details
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
Used Autos/ Motor Cycles 2020 to 2024
6.25%
61-75 months
▼
APR6.25%
Term61-75 months
Last UpdatedSep 22, 2026
Details
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
6.34%
36 Months
▼
APR6.34%
Term36 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2020 & 2019
Texarkana Terminal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
5325 WALL ST, MADISON, WI, 53718
New Autos (2024 & 2025)
6.44%
72 mo
▼
APR6.44%
Term72 mo
Last UpdatedSep 18, 2026
Details
As low as; Auto Year: New Autos (2024 & 2025)
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI, 53718 7982
New Auto
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedSep 21, 2026
Details
Down Payment: 0%
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2017-2021
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedSep 22, 2026
Details
Published APR range: 6.49% - 13.49%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.49%
37 to 48 Months
▼
APR6.49%
Interest Rate6.49%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.49%
61 to 72 Months
▼
APR6.49%
Interest Rate6.49%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Grade: A
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
Used Autos/ Motor Cycles 2020 to 2024
6.50%
76 months
▼
APR6.50%
Term76 months
Last UpdatedSep 22, 2026
Details
Term: 76-84 months 2023 & 2024
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
6.54%
48 Months
▼
APR6.54%
Term48 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2020 & 2019
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
6.54%
36 Months
▼
APR6.54%
Term36 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2018-2007
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
New Auto Loan
6.63%
84 Months
▼
APR6.63%
Term84 Months
Last UpdatedSep 22, 2026
Details
As Low As
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
Used Auto Loans
6.73%
72 Months
▼
APR6.73%
Term72 Months
Last UpdatedSep 22, 2026
Details
As Low As
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2017-2021
6.74%
84 months
▼
APR6.74%
Term84 months
Last UpdatedSep 22, 2026
Details
Published APR range: 6.74% - 13.74%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.74%
Up to 36 Months
▼
APR6.74%
Interest Rate6.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.74%
37 to 48 Months
▼
APR6.74%
Interest Rate6.74%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.74%
73 to 84 Months
▼
APR6.74%
Interest Rate6.74%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.74%
49 to 60 Months
▼
APR6.74%
Interest Rate6.74%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.74%
73 to 84 Months
▼
APR6.74%
Interest Rate6.74%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Grade: A+
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI, 53718 7982
Used Auto
6.99%
4 Years
▼
APR6.99%
Term4 Years
Last UpdatedSep 21, 2026
Details
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.99%
49 to 60 Months
▼
APR6.99%
Interest Rate6.99%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
6.99%
Up to 36 Months
▼
APR6.99%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Score: A+
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.99%
61 to 72 Months
▼
APR6.99%
Interest Rate6.99%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.99%
73 to 84 Months
▼
APR6.99%
Interest Rate6.99%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Grade: A
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
7.04%
84 Months
▼
APR7.04%
Term84 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 & 2025
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
7.04%
48 Months
▼
APR7.04%
Term48 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2018-2007
Landmark Credit Union WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1101 Spring St, Madison, WI, 53715
Auto Loan
7.09%
84 Months
▼
APR7.09%
Term84 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2024
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
7.24%
96 months
▼
APR7.24%
Term96 months
Last UpdatedSep 22, 2026
Details
Published APR range: 7.24% - 14.24%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
7.24%
61 to 72 Months
▼
APR7.24%
Interest Rate7.24%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.24%
Up to 36 Months
▼
APR7.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Score: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.24%
37 to 48 Months
▼
APR7.24%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Score: A+
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
7.24%
Up to 36 Months
▼
APR7.24%
Interest Rate7.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Grade: C
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI, 53718 7982
New Auto
7.29%
6 Years
▼
APR7.29%
Term6 Years
Last UpdatedSep 21, 2026
Details
Down Payment: 0%
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.49%
37 to 48 Months
▼
APR7.49%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Score: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.49%
49 to 60 Months
▼
APR7.49%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Score: A+
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
7.49%
37 to 48 Months
▼
APR7.49%
Interest Rate7.49%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
7.49%
73 to 84 Months
▼
APR7.49%
Interest Rate7.49%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
7.74%
Up to 36 Months
▼
APR7.74%
Interest Rate7.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
7.74%
37 to 48 Months
▼
APR7.74%
Interest Rate7.74%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
7.74%
73 to 84 Months
▼
APR7.74%
Interest Rate7.74%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.74%
Up to 36 Months
▼
APR7.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Score: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.74%
49 to 60 Months
▼
APR7.74%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Score: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
7.74%
49 to 60 Months
▼
APR7.74%
Interest Rate7.74%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Grade: C
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI, 53718 7982
Used Auto
7.79%
5 Years
▼
APR7.79%
Term5 Years
Last UpdatedSep 21, 2026
Details
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
7.99%
49 to 60 Months
▼
APR7.99%
Interest Rate7.99%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.99%
37 to 48 Months
▼
APR7.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Score: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
7.99%
61 to 72 Months
▼
APR7.99%
Interest Rate7.99%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Grade: C
Texarkana Terminal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
5325 WALL ST, MADISON, WI, 53718
New Auto Loan
8.15%
Up to 60 mo
▼
APR8.15%
TermUp to 60 mo
Last UpdatedSep 18, 2026
Details
As Low As;
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
8.24%
61 to 72 Months
▼
APR8.24%
Interest Rate8.24%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
8.24%
49 to 60 Months
▼
APR8.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Score: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
8.24%
Up to 36 Months
▼
APR8.24%
Interest Rate8.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
8.49%
37 to 48 Months
▼
APR8.49%
Interest Rate8.49%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
8.49%
73 to 84 Months
▼
APR8.49%
Interest Rate8.49%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
8.74%
73 to 84 Months
▼
APR8.74%
Interest Rate8.74%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
8.74%
Up to 36 Months
▼
APR8.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Score: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
8.74%
49 to 60 Months
▼
APR8.74%
Interest Rate8.74%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
8.99%
37 to 48 Months
▼
APR8.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Score: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
8.99%
61 to 72 Months
▼
APR8.99%
Interest Rate8.99%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Grade: D
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2016 and Older
9.24%
36 months
▼
APR9.24%
Term36 months
Last UpdatedSep 22, 2026
Details
Published APR range: 9.24% - 16.24%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
9.24%
49 to 60 Months
▼
APR9.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Score: C
Texarkana Terminal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
5325 WALL ST, MADISON, WI, 53718
Used Auto Loan
9.45%
Up to 60 mo
▼
APR9.45%
TermUp to 60 mo
Last UpdatedSep 18, 2026
Details
As Low As;
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2016 and Older
9.49%
48 months
▼
APR9.49%
Term48 months
Last UpdatedSep 22, 2026
Details
Published APR range: 9.49% - 16.49%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
9.49%
73 to 84 Months
▼
APR9.49%
Interest Rate9.49%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Grade: D
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2016 and Older
9.74%
60 months
▼
APR9.74%
Term60 months
Last UpdatedSep 22, 2026
Details
Published APR range: 9.74% - 16.74%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
9.74%
Up to 36 Months
▼
APR9.74%
Interest Rate9.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
9.74%
37 to 48 Months
▼
APR9.74%
Interest Rate9.74%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
9.74%
Up to 36 Months
▼
APR9.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Score: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
9.99%
49 to 60 Months
▼
APR9.99%
Interest Rate9.99%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
9.99%
37 to 48 Months
▼
APR9.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Score: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
10.24%
61 to 72 Months
▼
APR10.24%
Interest Rate10.24%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
10.24%
49 to 60 Months
▼
APR10.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Score: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
10.24%
Up to 36 Months
▼
APR10.24%
Interest Rate10.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
10.49%
37 to 48 Months
▼
APR10.49%
Interest Rate10.49%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
10.74%
73 to 84 Months
▼
APR10.74%
Interest Rate10.74%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
10.74%
49 to 60 Months
▼
APR10.74%
Interest Rate10.74%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
10.99%
61 to 72 Months
▼
APR10.99%
Interest Rate10.99%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
11.49%
73 to 84 Months
▼
APR11.49%
Interest Rate11.49%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
11.74%
Up to 36 Months
▼
APR11.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Score: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
11.99%
37 to 48 Months
▼
APR11.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Score: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
12.24%
49 to 60 Months
▼
APR12.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Score: E
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
2.75%
36 Months
▼
APR2.75%
Interest Rate2.75%
Term36 Months
Last UpdatedSep 22, 2026
Details
Minimum balance applies to 84 Months term.
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.00%
36 Months
▼
APR3.00%
Interest Rate3.00%
Term36 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.00%
48 Months
▼
APR3.00%
Interest Rate3.00%
Term48 Months
Last UpdatedSep 22, 2026
Details
Minimum balance applies to 84 Months term.
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.25%
48 Months
▼
APR3.25%
Interest Rate3.25%
Term48 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.25%
60 Months
▼
APR3.25%
Interest Rate3.25%
Term60 Months
Last UpdatedSep 22, 2026
Details
Minimum balance applies to 84 Months term.
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.50%
60 Months
▼
APR3.50%
Interest Rate3.50%
Term60 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.50%
72 Months
▼
APR3.50%
Interest Rate3.50%
Term72 Months
Last UpdatedSep 22, 2026
Details
Minimum balance applies to 84 Months term.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Auto Loan
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 22, 2026
Details
As Low As; 2025 & Newer
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan
3.73%
Up to 36 months
▼
APR3.73%
TermUp to 36 months
Last UpdatedSep 22, 2026
Details
with Direct Deposit & Autopay**
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan
3.73%
Up to 48 months
▼
APR3.73%
TermUp to 48 months
Last UpdatedSep 22, 2026
Details
with Direct Deposit & Autopay**
Meadowland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Auto Loan
3.74%
Up to 24 Months
▼
APR3.74%
TermUp to 24 Months
Last UpdatedSep 22, 2026
Details
As Low as
Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
Vehicle Loans
3.74%
1-3 Years
▼
APR3.74%
Term1-3 Years
Last UpdatedSep 22, 2026
Details
APR as low as
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
3.74%
36 months
▼
APR3.74%
Term36 months
Last UpdatedSep 22, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
3.74%
48 months
▼
APR3.74%
Term48 months
Last UpdatedSep 22, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
3.74%
60 months
▼
APR3.74%
Term60 months
Last UpdatedSep 22, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
3.74%
72 months
▼
APR3.74%
Term72 months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.75%
72 Months
▼
APR3.75%
Interest Rate3.75%
Term72 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedSep 22, 2026
Details
*$50,000 minimum required for 84 month term
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.75%
84 Months
▼
APR3.75%
Interest Rate3.75%
Term84 Months
Last UpdatedSep 22, 2026
Details
Minimum balance applies to 84 Months term.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
▼
APR3.79%
Term36 months
Last UpdatedSep 21, 2026
Details
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan
3.98%
Up to 60 months
▼
APR3.98%
TermUp to 60 months
Last UpdatedSep 22, 2026
Details
with Direct Deposit & Autopay**
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedSep 16, 2026
Details
Rates as low as; For 84 Months^^ at least $20,000.00+
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedSep 16, 2026
Details
Rates as low as; For 72 Months at least $15,000.00+
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 16, 2026
Details
Rates as low as; For 60 Months at least $10,000.00+
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedSep 16, 2026
Details
Rates as low as; For 48 Months at least $5,000.00+
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedSep 16, 2026
Details
Rates as low as; For 36 Months can be less than $4,999.99
Valley Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedSep 22, 2026
Details
Additional APR listed for this product: 4.69%.
Meadowland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Auto Loan
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
As Low as
Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
Vehicle Loans
3.99%
4 months
▼
APR3.99%
Term4 months
Last UpdatedSep 22, 2026
Details
Term: 4-6 Years New Auto Loan Special*; APR as low as
Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Cars (2026 - 2024) Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 22, 2026
Details
Term: 36 Months - 63 Months; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Vehicle 2023 or newer Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 22, 2026
Details
Term: 36 Months - 63 Months; As Low As
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2018 - 2021 Used Autos
4.05%
36 Months
▼
APR4.05%
Interest Rate4.05%
Term36 Months
Last UpdatedSep 22, 2026
Details
APR4.10%
Interest Rate3.95%
Term36 months
Last UpdatedSep 19, 2026
Details
Based on $35,000 loan amount
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Auto Loan
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 22, 2026
Details
As Low As; 2025 & Newer
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Auto Loan - 2023 & newer - up to 4 years Loan
4.24%
up to 4 years
▼
APR4.24%
Termup to 4 years
Last UpdatedSep 22, 2026
Details
Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026.
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Auto Loan - 2023 & newer - up to 5 years Loan
4.24%
up to 5 years
▼
APR4.24%
Termup to 5 years
Last UpdatedSep 22, 2026
Details
Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026.
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2023 & newer Loan
4.24%
up to 4 years
▼
APR4.24%
Termup to 4 years
Last UpdatedSep 22, 2026
Details
Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking).
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2023 & newer Loan
4.24%
up to 5 years
▼
APR4.24%
Termup to 5 years
Last UpdatedSep 22, 2026
Details
Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking).
Meadowland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Auto Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
As Low as
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
4.24%
36 months
▼
APR4.24%
Interest Rate4.24%
Term36 months
Last UpdatedSep 22, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
4.24%
48 months
▼
APR4.24%
Interest Rate4.24%
Term48 months
Last UpdatedSep 22, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
4.24%
60 months
▼
APR4.24%
Interest Rate4.24%
Term60 months
Last UpdatedSep 22, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
4.24%
72 months
▼
APR4.24%
Interest Rate4.24%
Term72 months
Last UpdatedSep 22, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedSep 22, 2026
Details
Model Year: 2026 (new) - 2027; Mileage: <15,000 miles
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 21, 2026
Details
Year: 2026-2024; Credit Tier: Max 100% A
Taylor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos, Trucks, Motorcycles
4.25%
12 Months
▼
APR4.25%
Term12 Months
Last UpdatedSep 22, 2026
Details
0.50% Rate Discount Special
Taylor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos, Trucks, Motorcycles
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedSep 22, 2026
Details
0.50% Rate Discount Special
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 22, 2026
Details
Monthly Payment**: $29.64
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 22, 2026
Details
Monthly Payment**: $22.69
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 22, 2026
Details
Monthly Payment**: $18.53
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Vehicles and Motorcycles (2020 - 2021) Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 22, 2026
Details
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan
4.25%
36 - 60 months
▼
APR4.25%
Term36 - 60 months
Last UpdatedSep 22, 2026
Details
Additional APR listed for this product: 4.50%, 4.75%, 5.00%. New 2026-2027
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 22, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedSep 22, 2026
Details
As Low As
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2018 - 2021 Used Autos
4.30%
48 Months
▼
APR4.30%
Interest Rate4.30%
Term48 Months
Last UpdatedSep 22, 2026
Details
Powered by
MonitorBankRates
Madison New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.49% - 11.49%.
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
New Autos/ Motor Cycles 2025 Or Newer
4.50%
1-36 months
▼
APR4.50%
Term1-36 months
Last UpdatedSep 22, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.99% - 11.99%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Car Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 22, 2026
Details
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
4.99%
Up to 36 Months
▼
APR4.99%
Interest Rate4.99%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Grade: A+
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
4.99%
37 to 48 Months
▼
APR4.99%
Interest Rate4.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Grade: A+
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
New Autos/ Motor Cycles 2025 Or Newer
5.00%
37-60 months
▼
APR5.00%
Term37-60 months
Last UpdatedSep 22, 2026
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
New Auto Loan
5.22%
48 Months
▼
APR5.22%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low As
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.24% - 12.24%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.24%
Up to 36 Months
▼
APR5.24%
Interest Rate5.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.24%
37 to 48 Months
▼
APR5.24%
Interest Rate5.24%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.24%
49 to 60 Months
▼
APR5.24%
Interest Rate5.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Grade: A+
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
New Autos/ Motor Cycles 2025 Or Newer
5.25%
61-75 months
▼
APR5.25%
Term61-75 months
Last UpdatedSep 22, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.49% - 12.49%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.49%
49 to 60 Months
▼
APR5.49%
Interest Rate5.49%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.49%
61 to 72 Months
▼
APR5.49%
Interest Rate5.49%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Grade: A+
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
New Auto Loan
5.52%
60 Months
▼
APR5.52%
Term60 Months
Last UpdatedSep 22, 2026
Details
As Low As
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
New Auto Loan
5.67%
72 Months
▼
APR5.67%
Term72 Months
Last UpdatedSep 22, 2026
Details
As Low As
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.74% - 12.74%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.74%
Up to 36 Months
▼
APR5.74%
Interest Rate5.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.74%
37 to 48 Months
▼
APR5.74%
Interest Rate5.74%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.74%
61 to 72 Months
▼
APR5.74%
Interest Rate5.74%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.99%
49 to 60 Months
▼
APR5.99%
Interest Rate5.99%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
5.99%
73 to 84 Months
▼
APR5.99%
Interest Rate5.99%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Grade: A+
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
22 E Mifflin St, Madison, WI, 53703
New car purchase Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
22 E Mifflin St, Madison, WI, 53703
New car rate Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.24%
61 to 72 Months
▼
APR6.24%
Interest Rate6.24%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.24%
73 to 84 Months
▼
APR6.24%
Interest Rate6.24%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Grade: A
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
New Autos/ Motor Cycles 2025 Or Newer
6.25%
76-84 months
▼
APR6.25%
Term76-84 months
Last UpdatedSep 22, 2026
Details
Texarkana Terminal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
5325 WALL ST, MADISON, WI, 53718
New Autos (2024 & 2025)
6.44%
72 mo
▼
APR6.44%
Term72 mo
Last UpdatedSep 18, 2026
Details
As low as; Auto Year: New Autos (2024 & 2025)
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI, 53718 7982
New Auto
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedSep 21, 2026
Details
Down Payment: 0%
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
New Auto Loan
6.63%
84 Months
▼
APR6.63%
Term84 Months
Last UpdatedSep 22, 2026
Details
As Low As
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.74%
Up to 36 Months
▼
APR6.74%
Interest Rate6.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.74%
37 to 48 Months
▼
APR6.74%
Interest Rate6.74%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.74%
73 to 84 Months
▼
APR6.74%
Interest Rate6.74%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
6.99%
49 to 60 Months
▼
APR6.99%
Interest Rate6.99%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Grade: C
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
New Autos 2022-newer
7.24%
96 months
▼
APR7.24%
Term96 months
Last UpdatedSep 22, 2026
Details
Published APR range: 7.24% - 14.24%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
7.24%
61 to 72 Months
▼
APR7.24%
Interest Rate7.24%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Grade: C
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI, 53718 7982
New Auto
7.29%
6 Years
▼
APR7.29%
Term6 Years
Last UpdatedSep 21, 2026
Details
Down Payment: 0%
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
7.74%
Up to 36 Months
▼
APR7.74%
Interest Rate7.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
7.74%
37 to 48 Months
▼
APR7.74%
Interest Rate7.74%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
7.74%
73 to 84 Months
▼
APR7.74%
Interest Rate7.74%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
7.99%
49 to 60 Months
▼
APR7.99%
Interest Rate7.99%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Grade: D
Texarkana Terminal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
5325 WALL ST, MADISON, WI, 53718
New Auto Loan
8.15%
Up to 60 mo
▼
APR8.15%
TermUp to 60 mo
Last UpdatedSep 18, 2026
Details
As Low As;
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
8.24%
61 to 72 Months
▼
APR8.24%
Interest Rate8.24%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
8.74%
73 to 84 Months
▼
APR8.74%
Interest Rate8.74%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
9.74%
Up to 36 Months
▼
APR9.74%
Interest Rate9.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
9.74%
37 to 48 Months
▼
APR9.74%
Interest Rate9.74%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
9.99%
49 to 60 Months
▼
APR9.99%
Interest Rate9.99%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
10.24%
61 to 72 Months
▼
APR10.24%
Interest Rate10.24%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
New Vehicles: 2025 & New Loan
10.74%
73 to 84 Months
▼
APR10.74%
Interest Rate10.74%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Grade: E
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
2.75%
36 Months
▼
APR2.75%
Interest Rate2.75%
Term36 Months
Last UpdatedSep 22, 2026
Details
Minimum balance applies to 84 Months term.
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.00%
48 Months
▼
APR3.00%
Interest Rate3.00%
Term48 Months
Last UpdatedSep 22, 2026
Details
Minimum balance applies to 84 Months term.
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.25%
60 Months
▼
APR3.25%
Interest Rate3.25%
Term60 Months
Last UpdatedSep 22, 2026
Details
Minimum balance applies to 84 Months term.
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.50%
72 Months
▼
APR3.50%
Interest Rate3.50%
Term72 Months
Last UpdatedSep 22, 2026
Details
Minimum balance applies to 84 Months term.
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.75%
84 Months
▼
APR3.75%
Interest Rate3.75%
Term84 Months
Last UpdatedSep 22, 2026
Details
Minimum balance applies to 84 Months term.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
▼
APR3.79%
Term36 months
Last UpdatedSep 21, 2026
Details
Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Cars (2026 - 2024) Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 22, 2026
Details
Term: 36 Months - 63 Months; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Vehicle 2023 or newer Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 22, 2026
Details
Term: 36 Months - 63 Months; As Low As
APR4.10%
Interest Rate3.95%
Term36 months
Last UpdatedSep 19, 2026
Details
Based on $35,000 loan amount
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Auto Loan - 2023 & newer - up to 4 years Loan
4.24%
up to 4 years
▼
APR4.24%
Termup to 4 years
Last UpdatedSep 22, 2026
Details
Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026.
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Auto Loan - 2023 & newer - up to 5 years Loan
4.24%
up to 5 years
▼
APR4.24%
Termup to 5 years
Last UpdatedSep 22, 2026
Details
Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026.
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2023 & newer Loan
4.24%
up to 4 years
▼
APR4.24%
Termup to 4 years
Last UpdatedSep 22, 2026
Details
Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking).
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2023 & newer Loan
4.24%
up to 5 years
▼
APR4.24%
Termup to 5 years
Last UpdatedSep 22, 2026
Details
Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking).
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedSep 22, 2026
Details
Model Year: 2026 (new) - 2027; Mileage: <15,000 miles
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 21, 2026
Details
Year: 2026-2024; Credit Tier: Max 100% A
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 22, 2026
Details
Monthly Payment**: $29.64
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 22, 2026
Details
Monthly Payment**: $22.69
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 22, 2026
Details
Monthly Payment**: $18.53
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan
4.25%
36 - 60 months
▼
APR4.25%
Term36 - 60 months
Last UpdatedSep 22, 2026
Details
Additional APR listed for this product: 4.50%, 4.75%, 5.00%. New 2026-2027
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 22, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedSep 22, 2026
Details
As Low As
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MonitorBankRates
Madison Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
Used Autos/ Motor Cycles 2020 to 2024
5.00%
1-36 months
▼
APR5.00%
Term1-36 months
Last UpdatedSep 22, 2026
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
Used Auto Loans
5.22%
36 Months
▼
APR5.22%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
Used Autos/ Motor Cycles 2020 to 2024
5.25%
37-60 months
▼
APR5.25%
Term37-60 months
Last UpdatedSep 22, 2026
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
Used Auto Loans
5.42%
48 Months
▼
APR5.42%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low As
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Car Loans
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedSep 22, 2026
Details
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
5.49%
Up to 36 Months
▼
APR5.49%
Interest Rate5.49%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Grade: A+
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
Used Auto Loans
5.67%
60 Months
▼
APR5.67%
Term60 Months
Last UpdatedSep 22, 2026
Details
As Low As
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2017-2021
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.74% - 12.74%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
5.74%
Up to 36 Months
▼
APR5.74%
Interest Rate5.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
5.74%
37 to 48 Months
▼
APR5.74%
Interest Rate5.74%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Grade: A+
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2017-2021
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.99% - 12.99%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
5.99%
37 to 48 Months
▼
APR5.99%
Interest Rate5.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
5.99%
49 to 60 Months
▼
APR5.99%
Interest Rate5.99%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Grade: A+
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
22 E Mifflin St, Madison, WI, 53703
Used car purchase Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
22 E Mifflin St, Madison, WI, 53703
Used car rate Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2017-2021
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedSep 22, 2026
Details
Published APR range: 6.24% - 13.24%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.24%
Up to 36 Months
▼
APR6.24%
Interest Rate6.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.24%
49 to 60 Months
▼
APR6.24%
Interest Rate6.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.24%
61 to 72 Months
▼
APR6.24%
Interest Rate6.24%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Grade: A+
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
Used Autos/ Motor Cycles 2020 to 2024
6.25%
61-75 months
▼
APR6.25%
Term61-75 months
Last UpdatedSep 22, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2017-2021
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedSep 22, 2026
Details
Published APR range: 6.49% - 13.49%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.49%
37 to 48 Months
▼
APR6.49%
Interest Rate6.49%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.49%
61 to 72 Months
▼
APR6.49%
Interest Rate6.49%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Grade: A
Avestar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
3401 W Beltline Hwy, Madison, WI, 53713
Used Autos/ Motor Cycles 2020 to 2024
6.50%
76 months
▼
APR6.50%
Term76 months
Last UpdatedSep 22, 2026
Details
Term: 76-84 months 2023 & 2024
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
3500 University Ave, Madison, WI, 53705
Used Auto Loans
6.73%
72 Months
▼
APR6.73%
Term72 Months
Last UpdatedSep 22, 2026
Details
As Low As
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2017-2021
6.74%
84 months
▼
APR6.74%
Term84 months
Last UpdatedSep 22, 2026
Details
Published APR range: 6.74% - 13.74%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.74%
49 to 60 Months
▼
APR6.74%
Interest Rate6.74%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.74%
73 to 84 Months
▼
APR6.74%
Interest Rate6.74%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Grade: A+
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI, 53718 7982
Used Auto
6.99%
4 Years
▼
APR6.99%
Term4 Years
Last UpdatedSep 21, 2026
Details
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
6.99%
Up to 36 Months
▼
APR6.99%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Score: A+
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.99%
61 to 72 Months
▼
APR6.99%
Interest Rate6.99%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
6.99%
73 to 84 Months
▼
APR6.99%
Interest Rate6.99%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Grade: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.24%
Up to 36 Months
▼
APR7.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Score: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.24%
37 to 48 Months
▼
APR7.24%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Score: A+
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
7.24%
Up to 36 Months
▼
APR7.24%
Interest Rate7.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.49%
37 to 48 Months
▼
APR7.49%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Score: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.49%
49 to 60 Months
▼
APR7.49%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 750+; Credit Score: A+
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
7.49%
37 to 48 Months
▼
APR7.49%
Interest Rate7.49%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
7.49%
73 to 84 Months
▼
APR7.49%
Interest Rate7.49%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Grade: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.74%
Up to 36 Months
▼
APR7.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Score: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.74%
49 to 60 Months
▼
APR7.74%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 749-700; Credit Score: A
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
7.74%
49 to 60 Months
▼
APR7.74%
Interest Rate7.74%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Grade: C
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI, 53718 7982
Used Auto
7.79%
5 Years
▼
APR7.79%
Term5 Years
Last UpdatedSep 21, 2026
Details
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
7.99%
37 to 48 Months
▼
APR7.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Score: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
7.99%
61 to 72 Months
▼
APR7.99%
Interest Rate7.99%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
8.24%
49 to 60 Months
▼
APR8.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 699-660; Credit Score: B
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
8.24%
Up to 36 Months
▼
APR8.24%
Interest Rate8.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
8.49%
37 to 48 Months
▼
APR8.49%
Interest Rate8.49%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
8.49%
73 to 84 Months
▼
APR8.49%
Interest Rate8.49%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Grade: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
8.74%
Up to 36 Months
▼
APR8.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Score: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
8.74%
49 to 60 Months
▼
APR8.74%
Interest Rate8.74%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Grade: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
8.99%
37 to 48 Months
▼
APR8.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Score: C
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
8.99%
61 to 72 Months
▼
APR8.99%
Interest Rate8.99%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Grade: D
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2016 and Older
9.24%
36 months
▼
APR9.24%
Term36 months
Last UpdatedSep 22, 2026
Details
Published APR range: 9.24% - 16.24%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
9.24%
49 to 60 Months
▼
APR9.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 659-630; Credit Score: C
Texarkana Terminal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
5325 WALL ST, MADISON, WI, 53718
Used Auto Loan
9.45%
Up to 60 mo
▼
APR9.45%
TermUp to 60 mo
Last UpdatedSep 18, 2026
Details
As Low As;
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2016 and Older
9.49%
48 months
▼
APR9.49%
Term48 months
Last UpdatedSep 22, 2026
Details
Published APR range: 9.49% - 16.49%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
9.49%
73 to 84 Months
▼
APR9.49%
Interest Rate9.49%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Grade: D
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
5325 Wall St Ste 1000, Madison, WI, 53718
Used Autos 2016 and Older
9.74%
60 months
▼
APR9.74%
Term60 months
Last UpdatedSep 22, 2026
Details
Published APR range: 9.74% - 16.74%.
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
9.74%
Up to 36 Months
▼
APR9.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Score: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
9.99%
37 to 48 Months
▼
APR9.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Score: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
10.24%
49 to 60 Months
▼
APR10.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 629-600; Credit Score: D
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
10.24%
Up to 36 Months
▼
APR10.24%
Interest Rate10.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
10.49%
37 to 48 Months
▼
APR10.49%
Interest Rate10.49%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
10.74%
49 to 60 Months
▼
APR10.74%
Interest Rate10.74%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
10.99%
61 to 72 Months
▼
APR10.99%
Interest Rate10.99%
Term61 to 72 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2020-2024 Loan
11.49%
73 to 84 Months
▼
APR11.49%
Interest Rate11.49%
Term73 to 84 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Grade: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
11.74%
Up to 36 Months
▼
APR11.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Score: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
11.99%
37 to 48 Months
▼
APR11.99%
Term37 to 48 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Score: E
Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
949 E Washington Ave, Madison, WI, 53703
Used Vehicles: 2019 & Older Loan
12.24%
49 to 60 Months
▼
APR12.24%
Term49 to 60 Months
Last UpdatedSep 22, 2026
Details
Credit Score: 599-0; Credit Score: E
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.00%
36 Months
▼
APR3.00%
Interest Rate3.00%
Term36 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.25%
48 Months
▼
APR3.25%
Interest Rate3.25%
Term48 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.50%
60 Months
▼
APR3.50%
Interest Rate3.50%
Term60 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.75%
72 Months
▼
APR3.75%
Interest Rate3.75%
Term72 Months
Last UpdatedSep 22, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
▼
APR3.79%
Term36 months
Last UpdatedSep 21, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Vehicle 2023 or newer Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 22, 2026
Details
Term: 36 Months - 63 Months; As Low As
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2018 - 2021 Used Autos
4.05%
36 Months
▼
APR4.05%
Interest Rate4.05%
Term36 Months
Last UpdatedSep 22, 2026
Details
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 21, 2026
Details
Year: 2026-2024; Credit Tier: Max 100% A
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 22, 2026
Details
Monthly Payment**: $29.64
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 22, 2026
Details
Monthly Payment**: $22.69
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 22, 2026
Details
Monthly Payment**: $18.53
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Vehicles and Motorcycles (2020 - 2021) Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 22, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2018 - 2021 Used Autos
4.30%
48 Months
▼
APR4.30%
Interest Rate4.30%
Term48 Months
Last UpdatedSep 22, 2026
Details
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MonitorBankRates
Madison, WI Auto Loan Rate Trends
Compare local Madison, WI 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.
New Auto Loan WI Avg
5.848%
▼ 0.179 vs 7 days ago
Wisconsin new auto rates fell 0.179 points over the past 7 days to 5.848% APR.
Used Auto Loan WI Avg
6.563%
▼ 0.215 vs 7 days ago
Wisconsin used auto rates fell 0.215 points over the past 7 days to 6.563% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Madison, WI Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Wisconsin figures.
Current New Auto Avg
5.85%
APR, as of Sep 22, 2026
6-Month Forecast
5.93%
Fed hold assumed
12-Month Forecast
6.00%
Range: 5.65% to 6.20%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Wisconsin APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.85% APR WI average | Used Auto @ 6.56% APR WI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.94/mo | $293.93/mo | $5.00/mo |
| $25,000 | $481.56/mo | $489.89/mo | $8.33/mo |
| $35,000 | $674.18/mo | $685.84/mo | $11.66/mo |
| $45,000 | $866.81/mo | $881.80/mo | $14.99/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Madison, Wisconsin
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Madison, Wisconsin locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Wisconsin. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Madison, Wisconsin high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Madison, Wisconsin CD rates lock in a guaranteed return until you’re ready to buy
Madison, Wisconsin Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$44,332
Median Individual Earnings
National avg: $47,340
2.6%
Unemployment Rate
National avg: 4.8%
16.4%
Poverty Rate
National avg: 11.1%
$578/mo
Payment on a $30K / 60-mo Loan
At WI new-auto avg 5.85% APR
A $578 monthly car payment works out to roughly 15.6% of the median individual income in Madison, Wisconsin. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Madison, Wisconsin, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Madison, Wisconsin. We’ve prefilled the APR with today’s WI new-auto average, or click any current rate on the right to apply it instantly.
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Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Madison, 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 Madison, 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 Madison, 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 Madison, Wisconsin
How does my credit score affect my car loan rate in Wisconsin?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Madison, Wisconsin with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Wisconsin *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Madison, Wisconsin typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in Madison, Wisconsin?
Yes. A preapproval from a bank or credit union serving Madison, Wisconsin gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Madison, Wisconsin can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Madison, Wisconsin?
Based on our current data, some of the lowest auto loan rates available in Madison, Wisconsin include:
- Minnesota Catholic Credit Union: 4.49% (New Autos 2022-newer)
- Avestar Credit Union: 4.50% (New Autos/ Motor Cycles 2025 Or Newer)
- Madison Credit Union: 4.99% (New Car Loans)
- Landmark Credit Union WI: 5.14% (Auto Loan)
- University of Wisconsin Credit Union: 5.22% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Madison, Wisconsin. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 22, 2026
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