Wisconsin Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Wisconsin auto loan rates range from 3.49% to 4.95% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Wisconsin include MCU Financial Center Credit UnionMCU Financial Center Credit Union1462 S Green Bay Rd, Mount Pleasant, WI, 53406 4488A+5.0 ★Texas Ratio: 4.66% offering Vehicle Loans - 2024 & Newer Automobiles and Motorcycles at 3.49%, Simplicity Credit UnionSimplicity Credit Union222 E Upham St, Marshfield, WI, 54449 1543A5.0 ★Texas Ratio: 9.92% offering Auto Loan at 3.74%, Ripple Credit UnionRipple Credit Union429 N Sawyer St, Oshkosh, WI, 54902 4253A+5.0 ★Texas Ratio: 3.12% offering Vehicle Loan at 3.74%, Tri County Credit Union Marinette, WITri County Credit Union Marinette, WI2205 Hall Ave, Marinette, WI, 54143A-5.0 ★Texas Ratio: 14.20% offering New or Used Vehicles, 2024 - Newer Titled Collateral Loan at 3.75%, Athens Area Credit UnionAthens Area Credit Union112 ALFRED ST, ATHENS, WI, 54411A+5.0 ★Texas Ratio: 1.61% offering Vehicle Loan at 3.75%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Wisconsin side-by-side. Wisconsin auto loan rates currently start as low as 3.49% APR from MCU Financial Center Credit Union at 1462 S Green Bay Rd, Mount Pleasant, WI, 53406 4488. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Wisconsin. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Wisconsin
Wisconsin Auto Loan Rates
Rates based on credit scores; excludes MCU refinances; Payment per $1,000 not included
Rates based on credit scores; excludes MCU refinances
Rates based on credit scores; excludes MCU refinances
Rates based on credit scores; excludes MCU refinances
As Low As; APR as low as
As Low As; Model Year: 2022 & Newer
As Low As; Model Year: 2022 & Newer
As Low As; Model Year: 2022 & Newer
As Low As; Model Year: 2022 & Newer
Payment per thousand column ignored
Model Year: 2022 - 2026; Rates effective as of 8/03/26
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Loan Rate (APR*)
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: 2026 (new) - 2027 (<15,000 miles)
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000: $29.52; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000: $22.57; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000: $18.41; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000: $15.64; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans
Term: 36 Months - 63 Months; As Low As
Term: 36 Months - 63 Months; As Low As
Payment per thousand column ignored
Payment per thousand column ignored
Based on $35,000 loan amount
- Sep 19, 20264.10%▼ from 4.10%
- Sep 16, 20264.10%first recorded
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: 2026 (new) - 2027 (<15,000 miles)
As Low As; Models: 2024-2027; Rates effective as of 9/01/2026; APR = Annual Percentage Rate; Rates may vary based on credit score and LTV
As Low As; Model Year: 2023 & newer; Merit based pricing in effect; actual rate may vary based on credit score and account relationship (direct deposit and active checking); Rates effective 09/24/2026
As Low As; Model Year: 2023 & newer; Merit based pricing in effect; actual rate may vary based on credit score and account relationship (direct deposit and active checking); Rates effective 09/24/2026
As Low As; Payment per $1,000 not captured
As Low As; Payment per $1,000 not captured
As Low As; Payment per $1,000 not captured
As Low As; Payment per $1,000 not captured
As Low As; Never Titled Autos and Recreational Vehicles; 2022-2023 Models; Rates effective as of 9/01/2026
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: Used 2022-2026 Vehicles
Model Year: 2026 - 2023
Year: 2026-2024; Credit Tier: Max 100%1 A
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; With 0.50% rate discount special
As Low As; With 0.50% rate discount special
As Low As; Model Year: 2022 & Newer; Vehicle Loan
As Low As; Model Year: 2022 & Newer; Vehicle Loan
As Low As; Model Year: 2022 & Newer; Vehicle Loan
As Low As; Model Year: 2020 - 2021; Rates based on excellent credit and three qualifying services
As Low As; Auto & Recreational Loans; APR effective as of 6/16/2026
As Low As; Auto & Recreational Loans; APR effective as of 6/16/2026
As Low As; Auto & Recreational Loans; APR effective as of 6/16/2026
As Low As; Auto & Recreational Loans; APR effective as of 6/16/2026
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026 and subject to change; rates vary by down payment, age of collateral, mileage, credit history and score; member eligibility required
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026 and subject to change; rates vary by down payment, age of collateral, mileage, credit history and score; member eligibility required
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026 and subject to change; rates vary by down payment, age of collateral, mileage, credit history and score; member eligibility required
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026 and subject to change; rates vary by down payment, age of collateral, mileage, credit history and score; member eligibility required
Payment per thousand column ignored
Payment per thousand column ignored
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: 2026 (new) - 2027 (<15,000 miles)
As Low As; Model Year: 2025 & Newer
As Low As; Model Year: 2025 & Newer
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Based on $35,000 loan amount
- Sep 19, 20264.36%▼ from 4.36%
- Sep 16, 20264.36%first recorded
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: Used 2022-2026 Vehicles
Model Year: 2026 - 2025 with less than 15,000 miles; Monthly Payment Per $1,000 Borrowed: $43.62
Model Year: 2026 - 2025 with less than 15,000 miles; Monthly Payment Per $1,000 Borrowed: $29.72
As Low As; Never Titled Autos and Recreational Vehicles; 2017 and Older Models; APR = Annual Percentage Rate
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: 2026 (new) - 2027 (<15,000 miles)
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Maximum Model Year 2022 or Newer; Maximum Mileage 50,000; $100,000 Maximum
- Oct 13, 20264.49%▼ from 6.99%
- Sep 29, 20266.99%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Maximum Model Year 2022 or Newer; Maximum Mileage 50,000; $100,000 Maximum
Published APR range: 4.49% - 11.49%. Model Year: 2022-newer; Rates based on approved credit
As Low As; With 0.50% rate discount special
As Low As; With 0.50% rate discount special
As Low As; Model Year: 2023 & newer; Merit based pricing in effect; actual rate may vary based on credit score and account relationship (direct deposit and active checking); Rates effective 09/24/2026
As Low As; Model Year: 2020-2022; Merit based pricing in effect; actual rate may vary based on credit score and account relationship (direct deposit and active checking); Rates effective 09/24/2026
As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available
As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available
As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available
As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available
Credit Grade: (A+) 730+
Model Year: 2026 New; Auto Pay
Model Year: 2026 New; Auto Pay
Model Year: 2026 New; Auto Pay
Model Year: New - 2026
Model Year: New - 2026
Model Year: New - 2026
Model Year: New - 2026; Auto & Titled Recreational Vehicles; Auto loan APR
Model Year: New - 2026; Auto & Titled Recreational Vehicles; Auto loan APR
Model Year: New - 2026; Auto & Titled Recreational Vehicles; Auto loan APR
As Low As; APR as low as
As Low As; Regular APR; Model Year: 2024 and newer; Rates range 4.49% - 17.24% APR based on credit history
- Oct 9, 20264.49%▼ from 4.74%
- Oct 1, 20264.74%first recorded
As Low As; APR as low as 4.49%
As Low As; Loan Rate (APR*)
As Low As; Special Down Under Loan; Vehicles, Boats, RVs, Motorcycles, etc.; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; Effective as of 10/1/2026; Any vehicles 2015 and older refer to Personal Loan Rates
As Low As; Model Year: 2023 and Newer; Secured loans (cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, personal watercraft); rate for excellent credit incl. .25% auto-pay and .25% Relationship Rewards discounts; effective Oct 13, 2026
Based on $35,000 loan amount
- Sep 19, 20264.50%▼ from 4.50%
- Sep 16, 20264.50%first recorded
over $20,000; As Low As
Secured; APR as low as; Monthly payment per $1,000 borrowed: $29.75
As Low As; Model Year: 2020 - 2021; Rates based on excellent credit and three qualifying services
As Low As; Model Year: 2020 - 2021; Rates based on excellent credit and three qualifying services
As Low As; Model Year: 2025-2026
Model Year: 2023 - Newer; Titled Collateral; Loan rates effective: 09/21/2026
Model Year: 2022 & Newer
- Sep 18, 20264.50%▼ from 7.50%
- Sep 14, 20267.50%first recorded
Model Year: 2022 & Newer
- Sep 18, 20264.50%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Model Year: 2022 & Newer
- Sep 18, 20264.50%▼ from 9.50%
- Sep 14, 20269.50%first recorded
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000: $13.90; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans
Payment per thousand column ignored
$30,000 minimum for ATV/UTV; Payment per thousand column ignored
As Low As; Auto loan
Model Year: 2026 - 2025 with less than 15,000 miles; Monthly Payment Per $1,000 Borrowed: $22.82
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: Used 2022-2026 Vehicles
As Low As; Model Year: 2021; Payment per $1,000 not captured; Rate reflects maximum 0.20% autopay discount; based on 700+ credit score and LTV of 80% or less
As Low As; Model Year: 2021; Payment per $1,000 not captured; Rate reflects maximum 0.20% autopay discount; based on 700+ credit score and LTV of 80% or less
As Low As; Rates reflect maximum 0.20% autopay discount; based on 700+ credit score and LTV of 80% or less; add .20 if over 10,000 miles
As Low As; Rates reflect maximum 0.20% autopay discount; based on 700+ credit score and LTV of 80% or less; add .20 if over 10,000 miles
As Low As; Great rates on new Cars, Trucks and SUV's
As Low As; Minimum Loan Amount: $500; Payment per $1,000 not recorded as rate
As Low As; Includes Titled Vehicles; $15,000 minimum loan amount, $20,000 loan amount, LTV <=80%, credit score >=725; $10,000 account relationship required; APR includes $59 loan processing fee
As Low As; Models: 2024-2027; Rates effective as of 9/01/2026; APR = Annual Percentage Rate; Rates may vary based on credit score and LTV
As Low As; Includes Titled Vehicles; $20,000 loan amount, LTV <=80%, credit score >=725; $10,000 account relationship required; APR includes $59 loan processing fee
As Low As; With 0.50% rate discount special
As Low As; Model Year: 2025 & Newer
As Low As; Includes Titled Vehicles; $20,000 loan amount, LTV <=80%, credit score >=725; $10,000 account relationship required; APR includes $59 loan processing fee
Used 2025 with more than 15,000 miles - 2020; APR = Annual Percentage Rate
Used 2025 with more than 15,000 miles - 2020; APR = Annual Percentage Rate
As Low As; Never Titled Autos and Recreational Vehicles; 2022-2023 Models; Rates effective as of 9/01/2026
Based on $35,000 loan amount
- Sep 19, 20264.64%▼ from 4.64%
- Sep 16, 20264.64%first recorded
As Low As; Includes Titled Vehicles; $20,000 loan amount, LTV <=80%, credit score >=725; $10,000 account relationship required; APR includes $59 loan processing fee
Model Year: 2026-2025; Payment figures per $1,000 omitted; *APR is the Annual Percentage Rate
Model Year: 2026-2025; *APR is the Annual Percentage Rate
As Low As; Actual rates may vary by collateral, term, membership eligibility, credit history, year of vehicle, and/or down payment
As Low As; Model Year: 2021 & newer; Effective Date: October 13, 2026
As Low As; Model Year: 2021 & newer; Effective Date: October 13, 2026
As Low As; Model Year: 2021 & newer; Effective Date: October 13, 2026
As Low As; Models: 2024-2027; Rates effective as of 9/01/2026; APR = Annual Percentage Rate; Rates may vary based on credit score and LTV
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: Used 2022-2026 Vehicles
As Low As; Model Year: 2016-2019; Merit based pricing in effect; actual rate may vary based on credit score and account relationship (direct deposit and active checking); Rates effective 09/24/2026
As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available
Model Year: 2026-2025; *APR is the Annual Percentage Rate
Credit Grade: (A) 680-729
Credit Grade: (A+) 730+
As Low As; APR as low as
As Low As; Model Year: 2022 and Newer
As Low As; Model Year: 2022 and Newer
As Low As; Model Year: 2022 and Newer
Model Year: 2026 - 2025 with less than 15,000 miles; Monthly Payment Per $1,000 Borrowed: $18.75
As Low As; Never Titled Autos and Recreational Vehicles; 2022-2023 Models; Rates effective as of 9/01/2026
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: 2026 (new) - 2027 (<15,000 miles); Some restrictions apply for terms 72 months and higher
Model Year: 2026 - 2023
As low as 4.74%
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As
Year: 2023-2021; Credit Tier: Max 100%1 A
Year: 2026-2024; Credit Tier: Max 100%1 A
over $20,000; As Low As
As Low As; APR* as low as
- Oct 13, 20264.75%▲ from 4.25%
- Sep 18, 20264.25%first recorded
As Low As; APR* as low as
- Oct 13, 20264.75%▲ from 4.25%
- Sep 18, 20264.25%first recorded
As Low As; Model Year: 2022 & Newer; Vehicle Loan
Model Year: 2026 New; Auto Pay
Model Year: New - 2026
Model Year: New - 2026; Auto & Titled Recreational Vehicles; Auto loan APR
Model Year: 2023 - Newer; Titled Collateral; Loan rates effective: 09/21/2026
As Low As; Recreational Loans; UTV's, ATV's, Motorcycles, Boats, Campers, Snowmobiles, Personal Watercraft, and more
As Low As; Auto & Recreational Loans; APR effective as of 6/16/2026
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026 and subject to change; rates vary by down payment, age of collateral, mileage, credit history and score; member eligibility required
$30,000 minimum for ATV/UTV; Payment per thousand column ignored
$50,000 minimum; Payment per thousand column ignored
Based on $35,000 loan amount
- Sep 19, 20264.76%▼ from 4.77%
- Sep 16, 20264.77%first recorded
Model Year: 2022 - 2026; Rates effective as of 8/03/26
Model Year: 2017-2021; Rates effective as of 8/03/26
As Low As; Actual rates may vary by collateral, term, membership eligibility, credit history, year of vehicle, and/or down payment
As Low As; Vehicle Year: 2025-2027; Credit score >=670; Financing up to 105% of approximate retail value
Based on $30,000 loan amount
- Sep 19, 20264.82%▼ from 4.82%
- Sep 16, 20264.82%first recorded
Used 2025 with more than 15,000 miles - 2020; APR = Annual Percentage Rate
As Low As; Never Titled Autos and Recreational Vehicles; 2017 and Older Models; APR = Annual Percentage Rate
As Low As; Loan Term
As Low As; Vehicle Year: 2017-2024; Credit score >=670; Financing up to 105% of approximate retail value
As Low As; Rates reflect maximum 0.20% autopay discount; based on 700+ credit score and LTV of 80% or less; add .20 if over 10,000 miles
As Low As; Used Auto/Motorcycles; Minimum Loan Amount: $500
Rate quoted is lowest available; may vary based on down payment, age of collateral, mileage, credit history, and credit score
Rate quoted is lowest available; may vary based on down payment, age of collateral, mileage, credit history, and credit score
Model Year: Used 2019 & Older
Model Year: Used 2019 & Older
As Low As; Models: 2024-2027; Rates effective as of 9/01/2026; APR = Annual Percentage Rate; Rates may vary based on credit score and LTV
As Low As; Models: 2024-2027; Rates effective as of 9/01/2026; APR = Annual Percentage Rate; Rates may vary based on credit score and LTV
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As Low As; Recreational Loans; UTV's, ATV's, Motorcycles, Boats, Campers, Snowmobiles, Personal Watercraft, and more
As Low As; Consumer Loan Rates (Effective 07/01/2025)
As Low As; Consumer Loan Rates (Effective 07/01/2025)
As Low As; Model Year: 2021; Payment per $1,000 not captured; Rate reflects maximum 0.20% autopay discount; based on 700+ credit score and LTV of 80% or less
As Low As; Rates reflect maximum 0.20% autopay discount; based on 700+ credit score and LTV of 80% or less; Model Year: 2022 - 2023
Model Year: 2026-2025; *APR is the Annual Percentage Rate
As Low As; Never Titled Autos and Recreational Vehicles; 2022-2023 Models; Rates effective as of 9/01/2026
As Low As; Never Titled Autos and Recreational Vehicles; 2022-2023 Models; Rates effective as of 9/01/2026
As Low As; Model Year: New Yet to be Titled
Wisconsin New Auto Auto Loan Rates
Rates based on credit scores; excludes MCU refinances; Payment per $1,000 not included
Rates based on credit scores; excludes MCU refinances
Rates based on credit scores; excludes MCU refinances
Rates based on credit scores; excludes MCU refinances
Model Year: 2022 - 2026; Rates effective as of 8/03/26
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Loan Rate (APR*)
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: 2026 (new) - 2027 (<15,000 miles)
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000: $29.52; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000: $22.57; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000: $18.41; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000: $15.64; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans
Term: 36 Months - 63 Months; As Low As
Term: 36 Months - 63 Months; As Low As
Based on $35,000 loan amount
- Sep 19, 20264.10%▼ from 4.10%
- Sep 16, 20264.10%first recorded
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: 2026 (new) - 2027 (<15,000 miles)
Year: 2026-2024; Credit Tier: Max 100%1 A
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Model Year: 2022 & Newer; Vehicle Loan
As Low As; Model Year: 2022 & Newer; Vehicle Loan
As Low As; Model Year: 2022 & Newer; Vehicle Loan
As Low As; Auto & Recreational Loans; APR effective as of 6/16/2026
As Low As; Auto & Recreational Loans; APR effective as of 6/16/2026
As Low As; Auto & Recreational Loans; APR effective as of 6/16/2026
As Low As; Auto & Recreational Loans; APR effective as of 6/16/2026
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026 and subject to change; rates vary by down payment, age of collateral, mileage, credit history and score; member eligibility required
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026 and subject to change; rates vary by down payment, age of collateral, mileage, credit history and score; member eligibility required
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026 and subject to change; rates vary by down payment, age of collateral, mileage, credit history and score; member eligibility required
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026 and subject to change; rates vary by down payment, age of collateral, mileage, credit history and score; member eligibility required
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: 2026 (new) - 2027 (<15,000 miles)
As Low As; Model Year: 2025 & Newer
As Low As; Model Year: 2025 & Newer
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Based on $35,000 loan amount
- Sep 19, 20264.36%▼ from 4.36%
- Sep 16, 20264.36%first recorded
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: 2026 (new) - 2027 (<15,000 miles)
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Published APR range: 4.49% - 11.49%. Model Year: 2022-newer; Rates based on approved credit
Model Year: New - 2026; Auto & Titled Recreational Vehicles; Auto loan APR
Model Year: New - 2026; Auto & Titled Recreational Vehicles; Auto loan APR
Model Year: New - 2026; Auto & Titled Recreational Vehicles; Auto loan APR
As Low As; Regular APR; Model Year: 2024 and newer; Rates range 4.49% - 17.24% APR based on credit history
- Oct 9, 20264.49%▼ from 4.74%
- Oct 1, 20264.74%first recorded
over $20,000; As Low As
Secured; APR as low as; Monthly payment per $1,000 borrowed: $29.75
As Low As; Model Year: 2025-2026
Model Year: 2023 - Newer; Titled Collateral; Loan rates effective: 09/21/2026
Model Year: 2022 & Newer
- Sep 18, 20264.50%▼ from 7.50%
- Sep 14, 20267.50%first recorded
Model Year: 2022 & Newer
- Sep 18, 20264.50%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Model Year: 2022 & Newer
- Sep 18, 20264.50%▼ from 9.50%
- Sep 14, 20269.50%first recorded
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000: $13.90; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans
As Low As; Great rates on new Cars, Trucks and SUV's
As Low As; Model Year: 2025 & Newer
Based on $35,000 loan amount
- Sep 19, 20264.64%▼ from 4.64%
- Sep 16, 20264.64%first recorded
Model Year: 2026-2025; Payment figures per $1,000 omitted; *APR is the Annual Percentage Rate
Model Year: 2026-2025; *APR is the Annual Percentage Rate
As Low As; Model Year: 2021 & newer; Effective Date: October 13, 2026
As Low As; Model Year: 2021 & newer; Effective Date: October 13, 2026
As Low As; Model Year: 2021 & newer; Effective Date: October 13, 2026
Model Year: 2026-2025; *APR is the Annual Percentage Rate
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: 2026 (new) - 2027 (<15,000 miles); Some restrictions apply for terms 72 months and higher
Year: 2023-2021; Credit Tier: Max 100%1 A
Year: 2026-2024; Credit Tier: Max 100%1 A
over $20,000; As Low As
As Low As; Model Year: 2022 & Newer; Vehicle Loan
Model Year: New - 2026; Auto & Titled Recreational Vehicles; Auto loan APR
Model Year: 2023 - Newer; Titled Collateral; Loan rates effective: 09/21/2026
As Low As; Auto & Recreational Loans; APR effective as of 6/16/2026
As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026 and subject to change; rates vary by down payment, age of collateral, mileage, credit history and score; member eligibility required
Model Year: 2022 - 2026; Rates effective as of 8/03/26
Model Year: 2017-2021; Rates effective as of 8/03/26
As Low As; Vehicle Year: 2025-2027; Credit score >=670; Financing up to 105% of approximate retail value
Rate quoted is lowest available; may vary based on down payment, age of collateral, mileage, credit history, and credit score
Rate quoted is lowest available; may vary based on down payment, age of collateral, mileage, credit history, and credit score
Model Year: 2026-2025; *APR is the Annual Percentage Rate
As Low As; Model Year: New Yet to be Titled
Wisconsin Used Auto Auto Loan Rates
Model Year: 2022 - 2026; Rates effective as of 8/03/26
Term: 36 Months - 63 Months; As Low As
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: Used 2022-2026 Vehicles
Year: 2026-2024; Credit Tier: Max 100%1 A
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Model Year: 2022 & Newer; Vehicle Loan
As Low As; Model Year: 2022 & Newer; Vehicle Loan
As Low As; Model Year: 2022 & Newer; Vehicle Loan
As Low As; Model Year: 2020 - 2021; Rates based on excellent credit and three qualifying services
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: Used 2022-2026 Vehicles
Credit Grade: (A+) 730+
As Low As; Loan Rate (APR*)
As Low As; Special Down Under Loan; Vehicles, Boats, RVs, Motorcycles, etc.; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; Effective as of 10/1/2026; Any vehicles 2015 and older refer to Personal Loan Rates
Based on $35,000 loan amount
- Sep 19, 20264.50%▼ from 4.50%
- Sep 16, 20264.50%first recorded
As Low As; Model Year: 2020 - 2021; Rates based on excellent credit and three qualifying services
As Low As; Model Year: 2020 - 2021; Rates based on excellent credit and three qualifying services
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: Used 2022-2026 Vehicles
As Low As; Minimum Loan Amount: $500; Payment per $1,000 not recorded as rate
As Low As; Effective Date: Tuesday, October 13th, 2026; Loan Type: Used 2022-2026 Vehicles
Credit Grade: (A) 680-729
Credit Grade: (A+) 730+
Year: 2023-2021; Credit Tier: Max 100%1 A
Year: 2026-2024; Credit Tier: Max 100%1 A
over $20,000; As Low As
As Low As; Model Year: 2022 & Newer; Vehicle Loan
Based on $35,000 loan amount
- Sep 19, 20264.76%▼ from 4.77%
- Sep 16, 20264.77%first recorded
Model Year: 2022 - 2026; Rates effective as of 8/03/26
Model Year: 2017-2021; Rates effective as of 8/03/26
Based on $30,000 loan amount
- Sep 19, 20264.82%▼ from 4.82%
- Sep 16, 20264.82%first recorded
As Low As; Vehicle Year: 2017-2024; Credit score >=670; Financing up to 105% of approximate retail value
As Low As; Used Auto/Motorcycles; Minimum Loan Amount: $500
Rate quoted is lowest available; may vary based on down payment, age of collateral, mileage, credit history, and credit score
Rate quoted is lowest available; may vary based on down payment, age of collateral, mileage, credit history, and credit score
Wisconsin Auto Loan Rate Trends
Compare local Wisconsin auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Wisconsin new auto rates fell 0.009 points over the past 7 days to 5.223% APR.
Wisconsin used auto rates rose 0.021 points over the past 7 days to 6.195% APR.
Wisconsin 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 @ 5.22% APR WI average | Used Auto @ 6.20% APR WI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.60/mo | $291.35/mo | $6.75/mo |
| $25,000 | $474.34/mo | $485.59/mo | $11.26/mo |
| $35,000 | $664.07/mo | $679.83/mo | $15.76/mo |
| $45,000 | $853.80/mo | $874.06/mo | $20.26/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 Wisconsin
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving 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 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: 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
A $569 monthly car payment works out to roughly 14.6% of the median individual income in Wisconsin. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in 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 to 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 to 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 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 Wisconsin auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Wisconsin directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Wisconsin. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WI.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Wisconsin
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Wisconsin
How does my credit score affect my car loan rate in Wisconsin?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in 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?
Can I get an auto loan with bad credit in Wisconsin?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Wisconsin?
- MCU Financial Center Credit Union: 3.49% (Vehicle Loans - 2024 & Newer Automobiles and Motorcycles)
- Simplicity Credit Union: 3.74% (Auto Loan)
- Ripple Credit Union: 3.74% (Vehicle Loan)
- Tri County Credit Union Marinette, WI: 3.75% (New or Used Vehicles, 2024 - Newer Titled Collateral Loan)
- Athens Area Credit Union: 3.75% (Vehicle Loan)
Wisconsin Rates & Resources
Auto Loan Rates by City in Wisconsin
