Mellen, Wisconsin Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Mellen, Wisconsin include Athens Area Credit UnionAthens Area Credit UnionA+5.0 ★Texas Ratio: 1.81% offering New Autos at 2.75%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.20% offering Auto Loan at 3.64%, Oshkosh Community Credit UnionOshkosh Community Credit UnionA+5.0 ★Texas Ratio: 3.48% offering Auto Loan at 3.73%, Meadowland Credit UnionMeadowland Credit UnionA5.0 ★Texas Ratio: 7.56% offering Auto Loan at 3.74%, Simplicity Credit UnionSimplicity Credit UnionA5.0 ★Texas Ratio: 6.40% offering Vehicle Loans at 3.74%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Mellen borrowers have access to 50 lenders serving the Wisconsin area, with auto loan rates as low as 2.75% APR from Athens Area Credit Union. 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 Mellen, Wisconsin. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Mellen, Wisconsin & Surrounding Area
Mellen Auto Loan Rates
Minimum balance applies to 84 Months term.
Minimum balance applies to 84 Months term.
Minimum balance applies to 84 Months term.
Minimum balance applies to 84 Months term.
As Low As; 2025 & Newer
with Direct Deposit & Autopay**
with Direct Deposit & Autopay**
As Low as
APR as low as
*$50,000 minimum required for 84 month term
Minimum balance applies to 84 Months term.
with Direct Deposit & Autopay**
Rates as low as; For 84 Months^^ at least $20,000.00+
Rates as low as; For 72 Months at least $15,000.00+
Rates as low as; For 60 Months at least $10,000.00+
Rates as low as; For 48 Months at least $5,000.00+
Rates as low as; For 36 Months can be less than $4,999.99
Additional APR listed for this product: 4.69%.
As Low as
Term: 4-6 Years New Auto Loan Special*; APR as low as
As Low As
Term: 36 Months - 63 Months; As Low As
Term: 36 Months - 63 Months; As Low As
Based on $35,000 loan amount
As Low As; 2025 & Newer
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.
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.
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).
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).
As Low as
Model Year: 2026 (new) - 2027; Mileage: <15,000 miles
Year: 2026-2024; Credit Tier: Max 100% A
0.50% Rate Discount Special
0.50% Rate Discount Special
Monthly Payment**: $29.64
Monthly Payment**: $22.69
Monthly Payment**: $18.53
Additional APR listed for this product: 4.50%, 4.75%, 5.00%. New 2026-2027
As Low As
As Low As
As Low As
As Low As
Rate(s) effective as of August 19, 2026. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history.
As Low As; Rate(s) effective as of August 19, 2026. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history.
Based on $35,000 loan amount
Model Year: 2026 (new) - 2027; Mileage: <15,000 miles
Additional APR listed for this product: 5.24%.
Age of Vehicle: New - 2017
Age of Vehicle: New - 2017
Age of Vehicle: New - 2017
Age of Vehicle: New - 2017
with Direct Deposit & Autopay**
As Low As; New Auto***
Published APR range: 4.49% - 11.49%.
0.50% Rate Discount Special
0.50% Rate Discount Special
APR* as low as; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026.
As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026.
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.
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.
Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking).
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).
As Low As; *
As Low As; *
As Low As; *
As Low As; *
Credit Grade: (A+) 730+
As Low as
Auto Pay; Rate applies to loans up to 3 years.; Model Year: 2025 - 2024
Auto Pay; Rate applies to loans of 4 years.; Model Year: 2025 - 2024
Auto Pay; Rate applies to loans of 5 years.; Model Year: 2025 - 2024
APR as low as
As Low As
Vehicle: Used 2022-2026
as low as
Based on $35,000 loan amount
over $20,000; As Low As
Additional APR listed for this product: 4.75%, 5.00%, 5.25%. New 2026-2027
Additional APR listed for this product: 4.75%, 5.00%, 5.25%. Used 2023-2026
2025-2026
Additional APR listed for this product: 5.00%, 8.50%.
Additional APR listed for this product: 5.25%, 9.50%.
Additional APR listed for this product: 5.44%.
Model Year: 2026 (new) - 2027; Mileage: <15,000 miles
As Low As*
As Low As*
0.50% Rate Discount Special
Vehicle: Used 2022-2026
As Low As; 2022 - 2024*
Based on $35,000 loan amount
36 months
Model Year: 2026 (new) - 2027; Mileage: <15,000 miles
Additional APR listed for this product: 5.64%.
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.
Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking).
As Low As; *
Credit Grade: (A) 680-729
Credit Grade: (A+) 730+
As Low as; Auto Loan
APR as low as
Model Year: 2022 and Newer
Model Year: 2022 and Newer
Model Year: 2022 and Newer
As low as 4.74%
Published APR range: 4.75%-10.75%. *The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs. Rates current as of January 2, 2026. Rates subject to change without notice.
As Low As 4.75%
Year: 2026-2024; Credit Tier: Max 100% A
Year: 2023-2021; Credit Tier: Max 100% A
over $20,000; As Low As
Model Year: New Yet to be Titled
Monthly Payment**: $15.99
Additional APR listed for this product: 5.00%, 5.25%, 5.50%. Used 2023-2026
Auto Pay; Rate applies to loans of 6 years.; Model Year: 2025 - 2024
As Low As
*$50,000 minimum required for 84 month term
Based on $35,000 loan amount
Vehicle: Used 2022-2026
Vehicle Year: 2025-2027; Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
Based on $30,000 loan amount
Vehicle Year: 2017-2024; Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
As Low As*
As Low As
As Low As
Additional APR listed for this product: 5.89%.
Model Year: 2022 - 2023
Vehicle: Used 2022-2026
Model Year: 10 Years Old & Newer
As Low As
with Direct Deposit & Autopay; Model Year: 2016 - 2019
As Low As; Used Auto*** (5 years & newer)
$25,000; As Low As
over $25,000; As Low As
Published APR range: 4.99% - 11.99%.
0.50% Rate Discount Special
As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026.
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
Credit Score: 750+; Grade: A+
Credit Score: 750+; Grade: A+
Credit Grade: (A) 680-729
As Low As
Mellen New Auto Auto Loan Rates
Minimum balance applies to 84 Months term.
Minimum balance applies to 84 Months term.
Minimum balance applies to 84 Months term.
Minimum balance applies to 84 Months term.
Minimum balance applies to 84 Months term.
As Low As
Term: 36 Months - 63 Months; As Low As
Term: 36 Months - 63 Months; As Low As
Based on $35,000 loan amount
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.
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.
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).
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).
Model Year: 2026 (new) - 2027; Mileage: <15,000 miles
Year: 2026-2024; Credit Tier: Max 100% A
Monthly Payment**: $29.64
Monthly Payment**: $22.69
Monthly Payment**: $18.53
Additional APR listed for this product: 4.50%, 4.75%, 5.00%. New 2026-2027
As Low As
As Low As
As Low As
As Low As
Rate(s) effective as of August 19, 2026. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history.
As Low As; Rate(s) effective as of August 19, 2026. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history.
Based on $35,000 loan amount
Model Year: 2026 (new) - 2027; Mileage: <15,000 miles
Age of Vehicle: New - 2017
Age of Vehicle: New - 2017
Age of Vehicle: New - 2017
Age of Vehicle: New - 2017
As Low As; New Auto***
Published APR range: 4.49% - 11.49%.
APR* as low as; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026.
As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026.
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.
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).
over $20,000; As Low As
Additional APR listed for this product: 4.75%, 5.00%, 5.25%. New 2026-2027
2025-2026
Additional APR listed for this product: 5.00%, 8.50%.
Additional APR listed for this product: 5.25%, 9.50%.
Model Year: 2026 (new) - 2027; Mileage: <15,000 miles
Based on $35,000 loan amount
Model Year: 2026 (new) - 2027; Mileage: <15,000 miles
Published APR range: 4.75%-10.75%. *The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs. Rates current as of January 2, 2026. Rates subject to change without notice.
Year: 2026-2024; Credit Tier: Max 100% A
Year: 2023-2021; Credit Tier: Max 100% A
over $20,000; As Low As
Model Year: New Yet to be Titled
Monthly Payment**: $15.99
As Low As
Vehicle Year: 2025-2027; Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
Model Year: 10 Years Old & Newer
As Low As
$25,000; As Low As
over $25,000; As Low As
Published APR range: 4.99% - 11.99%.
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
Credit Score: 750+; Grade: A+
Credit Score: 750+; Grade: A+
As Low As
Mellen Used Auto Auto Loan Rates
Term: 36 Months - 63 Months; As Low As
Year: 2026-2024; Credit Tier: Max 100% A
Monthly Payment**: $29.64
Monthly Payment**: $22.69
Monthly Payment**: $18.53
Credit Grade: (A+) 730+
As Low As
Vehicle: Used 2022-2026
Based on $35,000 loan amount
Additional APR listed for this product: 4.75%, 5.00%, 5.25%. Used 2023-2026
Vehicle: Used 2022-2026
Credit Grade: (A) 680-729
Credit Grade: (A+) 730+
Year: 2026-2024; Credit Tier: Max 100% A
Year: 2023-2021; Credit Tier: Max 100% A
over $20,000; As Low As
Monthly Payment**: $15.99
Additional APR listed for this product: 5.00%, 5.25%, 5.50%. Used 2023-2026
Based on $35,000 loan amount
Vehicle: Used 2022-2026
Based on $30,000 loan amount
Vehicle Year: 2017-2024; Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
Vehicle: Used 2022-2026
As Low As; Used Auto*** (5 years & newer)
over $25,000; As Low As
Credit Grade: (A) 680-729
Mellen, WI Auto Loan Rate Trends
Compare local Mellen, 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.
Wisconsin new auto rates fell 0.179 points over the past 7 days to 5.848% APR.
Wisconsin used auto rates fell 0.215 points over the past 7 days to 6.563% APR.
Mellen, 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.
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 Mellen, Wisconsin
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Mellen, 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.
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.
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.
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.
- Saving up for a bigger down payment: park it in a Mellen, 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: Mellen, Wisconsin CD rates lock in a guaranteed return until you’re ready to buy
Wisconsin Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $578 monthly car payment works out to roughly 14.9% of the median individual income in 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 Mellen, 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 Mellen, 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.
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 Mellen, 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 Mellen, 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 Mellen, 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 Mellen, Wisconsin
How does my credit score affect my car loan rate in Wisconsin?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Mellen, Wisconsin?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Mellen, Wisconsin?
- Athens Area Credit Union: 2.75% (New Autos)
- Baxter Credit Union: 3.64% (Auto Loan)
- Oshkosh Community Credit Union: 3.73% (Auto Loan)
- Meadowland Credit Union: 3.74% (Auto Loan)
- Simplicity Credit Union: 3.74% (Vehicle Loans)
Mellen, Wisconsin Rates & Resources
