Elk Mound, Wisconsin Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Elk Mound, Wisconsin include Governmental Employees Credit UnionGovernmental Employees Credit UnionA+5.0 ★Texas Ratio: 4.98% offering Auto Loan - 2025 and newer (<15,000 miles): 1-36 months at 3.49%, Simplicity Credit UnionSimplicity Credit UnionA5.0 ★Texas Ratio: 6.40% offering Auto Loan at 3.74%, Carpenters Federal Credit UnionCarpenters Federal Credit UnionA+5.0 ★Texas Ratio: 0.75% offering 2022 - 2026 New & Used Vehicles Loan at 3.79%, Red Crown Federal Credit UnionRed Crown Federal Credit UnionA+5.0 ★Texas Ratio: 2.57% offering Auto Loan at 3.99%, Teachers Credit UnionTeachers Credit UnionA+5.0 ★Texas Ratio: 0.60% offering New Cars (2026 - 2024) Loan at 3.99%. Auto loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Elk Mound borrowers have access to 44 lenders serving the Wisconsin area, with auto loan rates as low as 3.49% APR from Governmental Employees 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 Elk Mound, Wisconsin. Auto Loan Rates Last Updated and Verified: September 9, 2026
Compare Auto Loan Rates Today in Elk Mound, Wisconsin & Surrounding Area
Elk Mound Auto Loan Rates
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APR as low as
Rates as low as; Term Guidelines: For 72 Months at least $15,000.00+; For 60 Months at least $10,000.00+; For 48 Months at least $5,000.00+; For 36 Months can be less than $4,999.99
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Based on $35,000 loan amount
with Direct Deposit & Autopay**: 3.73%
with Direct Deposit & Autopay**: 3.73%
As Low As; 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 07/16/2026.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
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Max 100%1 A Credit Tier
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Based on $35,000 loan amount
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with Direct Deposit & Autopay**: 3.98%
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Rate Discount Special
Rate Discount Special
As Low As; 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 07/16/2026.
As Low As; 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 07/16/2026.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 07/16/2026.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
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Based on $35,000 loan amount
over $20,000; As Low As
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Rate Discount Special
Based on $35,000 loan amount
As Low As; 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 07/16/2026.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
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Model Year: 2022 and Newer
APR range: 4.75%-10.75%; Model Year: 2021 and newer
100% financing is available for terms up to 75 months.
Max 100%1 A Credit Tier
Max 100%1 A Credit Tier
over $20,000; As Low As
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Based on $35,000 loan amount
Based on $30,000 loan amount
Model Year: 2026 & 2025
Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
Model Year: 2024
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with Direct Deposit & Autopay
with Direct Deposit & Autopay**: 4.48%
Up to 100% of Kelley Blue Book value. Please visit: https://www.kbb.com
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$25,000; As Low As
over $25,000; As Low As
Rate Discount Special
Annual Percentage Rate.; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 07/16/2026.
Rates as low as 4.99% APR*
Credit Score: 750+
Credit Score: 750+
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Model Year: 2022 and Newer
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
As Low As; 2026-2027 year models
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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Based on $35,000 loan amount
Based on $35,000 loan amount
Based on $25,000 loan amount
Based on $30,000 loan amount
Model Year: 2026 & 2025
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Model Year: 2024
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
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Based on $25,000 loan amount
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with Direct Deposit & Autopay
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Credit Score: 749-700
Credit Score: 750+
Credit Score: 749-700
Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
As Low As; 2026-2027 year models
Up to 100% of Kelley Blue Book value. Please visit: https://www.kbb.com
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Max 100%1 B Credit Tier
Max 100%1 A Credit Tier
Year: 2020 - Older; Credit Tier: Max 100% A
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Up to 100% of Kelley Blue Book value. Please visit: https://www.kbb.com
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Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
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Based on $35,000 loan amount
Model Year: 2026 & 2025
Based on $30,000 loan amount
Elk Mound New Auto Auto Loan Rates
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Based on $35,000 loan amount
As Low As; 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 07/16/2026.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
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As low as
Max 100%1 A Credit Tier
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Based on $35,000 loan amount
As Low As; *
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As Low As; 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 07/16/2026.
Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 07/16/2026.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
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over $20,000; As Low As
Based on $35,000 loan amount
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APR range: 4.75%-10.75%; Model Year: 2021 and newer
100% financing is available for terms up to 75 months.
Max 100%1 A Credit Tier
Max 100%1 A Credit Tier
over $20,000; As Low As
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Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
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Up to 100% of Kelley Blue Book value. Please visit: https://www.kbb.com
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$25,000; As Low As
over $25,000; As Low As
Rates as low as 4.99% APR*
Credit Score: 750+
Credit Score: 750+
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Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
As Low As; 2026-2027 year models
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Based on $35,000 loan amount
As Low As
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
As Low As
As Low As
Credit Score: 749-700
Credit Score: 750+
Credit Score: 749-700
As Low As; 2026-2027 year models
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Max 100%1 B Credit Tier
Max 100%1 A Credit Tier
Up to 100% of Kelley Blue Book value. Please visit: https://www.kbb.com
As Low As
**
Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Elk Mound Used Auto Auto Loan Rates
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Max 100%1 A Credit Tier
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As Low As; 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 07/16/2026.
As Low As
Based on $35,000 loan amount
As Low As
As Low As; 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 07/16/2026.
Max 100%1 A Credit Tier
Max 100%1 A Credit Tier
over $20,000; As Low As
As Low As
Based on $35,000 loan amount
Based on $30,000 loan amount
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over $25,000; As Low As
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Based on $35,000 loan amount
Based on $25,000 loan amount
Based on $30,000 loan amount
Based on $25,000 loan amount
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Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
Up to 100% of Kelley Blue Book value. Please visit: https://www.kbb.com
Max 100%1 B Credit Tier
Max 100%1 A Credit Tier
Year: 2020 - Older; Credit Tier: Max 100% A
As Low As
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**
As Low As
Based on $35,000 loan amount
Based on $30,000 loan amount
Elk Mound, WI Auto Loan Rate Trends
Compare local Elk Mound, 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 0.104 points over the past 7 days to 5.886% APR.
Wisconsin used auto rates fell 0.098 points over the past 7 days to 6.398% APR.
Elk Mound, 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 @ 5.89% APR WI average | Used Auto @ 6.40% APR WI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.19/mo | $292.77/mo | $3.58/mo |
| $25,000 | $481.99/mo | $487.96/mo | $5.97/mo |
| $35,000 | $674.79/mo | $683.14/mo | $8.35/mo |
| $45,000 | $867.58/mo | $878.32/mo | $10.74/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 Elk Mound, Wisconsin
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Elk Mound, 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 Elk Mound, 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: Elk Mound, Wisconsin CD rates lock in a guaranteed return until you’re ready to buy
Elk Mound, Wisconsin Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $578 monthly car payment works out to roughly 17.0% of the median individual income in Elk Mound, 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 Elk Mound, 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 Elk Mound, 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 Elk Mound, 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 Elk Mound, 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 Elk Mound, 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 Elk Mound, 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 Elk Mound, 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 Elk Mound, Wisconsin?
- Governmental Employees Credit Union: 3.49% (Auto Loan - 2025 and newer (<15,000 miles): 1-36 months)
- Simplicity Credit Union: 3.74% (Auto Loan)
- Carpenters Federal Credit Union: 3.79% (2022 - 2026 New & Used Vehicles Loan)
- Red Crown Federal Credit Union: 3.99% (Auto Loan)
- Teachers Credit Union: 3.99% (New Cars (2026 - 2024) Loan)
Elk Mound, Wisconsin Rates & Resources
