Madison, Wisconsin Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Madison, Wisconsin auto loan rates range from 3.49% to 12.24% APR, verified by MonitorBankRates as of October 14, 2026. 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: 2.13% offering New Autos at 4.49%, Heartland Credit Union Madison, WIHeartland Credit Union Madison, WI5325 High Crossing Blvd, Madison, WI, 53718 2301A+5.0 ★Texas Ratio: 2.39% offering New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Loan at 4.49%, Avestar Credit UnionAvestar Credit Union3401 W Beltline Hwy, Madison, WI, 53713A5.0 ★Texas Ratio: 8.52% 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: 2.90% offering New Car Loan at 4.99%, Landmark Credit Union WILandmark Credit Union WI1101 Spring St, Madison, WI, 53715A+5.0 ★Texas Ratio: 3.05% offering Auto Loan - 2026 & 2025 at 5.34%. Auto loan rates as of October 14, 2026 according to verified data from MonitorBankRates.
Madison has 9 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: October 14, 2026
Compare Auto Loan Rates Today in Madison, Wisconsin & Surrounding Area
Madison Auto Loan Rates
Published APR range: 4.49% - 11.49%. Model Year: 2022-newer; Rates based on approved credit
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
Secured; APR as low as; Monthly payment per $1,000 borrowed: $29.75
Published APR range: 4.99% - 11.99%. Model Year: 2022-newer; Rates based on approved credit
As Low As; Banner rate
Credit Score: 750+; Grade: A+; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 750+; Grade: A+; Up to 100% of Purchase Price + Taxes & Fees
As Low As; Regular APR; Model Year: 2023 to 2017; Rates range 4.99% - 17.74% APR based on credit history
- Oct 9, 20264.99%▼ from 5.24%
- Oct 1, 20265.24%first recorded
Secured; APR as low as; Monthly payment per $1,000 borrowed: $18.87
Secured; APR as low as; Model year 2023 & 2024 per term cell; Monthly payment per $1,000 borrowed: $29.97
Published APR range: 5.24% - 12.24%. Model Year: 2022-newer; Rates based on approved credit
Credit Score: 749-700; Grade: A; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 749-700; Grade: A; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 750+; Grade: A+; Up to 100% of Purchase Price + Taxes & Fees
As Low As; Regular APR; Model Year: 2024 and newer; Rates range 4.49% - 17.24% APR based on credit history
Secured; APR as low as; Monthly payment per $1,000 borrowed: $15.55
Secured; APR as low as; Model year 2023 & 2024 per term cell; Monthly payment per $1,000 borrowed: $18.99
As Low As; APR*
- Sep 26, 20265.47%▲ from 5.22%
- Sep 18, 20265.22%first recorded
As Low As
- Sep 26, 20265.47%▲ from 5.22%
- Sep 18, 20265.22%first recorded
Published APR range: 5.49% - 12.49%. Model Year: 2022-newer; Rates based on approved credit
Credit Score: 749-700; Grade: A; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 750+; Grade: A+; Up to 100% of Purchase Price + Taxes & Fees
As Low As; Banner rate
Model Year: 2020-2024; Credit Score: 750+; Credit Grade: A+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As
- Sep 26, 20265.67%▲ from 5.42%
- Sep 18, 20265.42%first recorded
Published APR range: 5.74% - 12.74%. Model Year: 2022-newer; Rates based on approved credit
Published APR range: 5.74% - 12.74%. Model Year: 2017-2021; Rates based on approved credit
Credit Score: 699-660; Grade: B; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 699-660; Grade: B; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 749-700; Grade: A; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 749-700; Credit Grade: A; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 750+; Credit Grade: A+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR; Model Year: 2024 and newer; Min. $20,000 loan; Rates range 4.49% - 17.24% APR based on credit history
As Low As; Regular APR; Model Year: 2023 to 2017; Rates range 4.99% - 17.74% APR based on credit history
As Low As; APR*
- Sep 26, 20265.77%▲ from 5.52%
- Sep 18, 20265.52%first recorded
As Low As; APR*
- Sep 26, 20265.92%▲ from 5.67%
- Sep 18, 20265.67%first recorded
As Low As
- Sep 26, 20265.92%▲ from 5.67%
- Sep 18, 20265.67%first recorded
Published APR range: 5.99% - 12.99%. Model Year: 2017-2021; Rates based on approved credit
Credit Score: 699-660; Grade: B; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 750+; Grade: A+; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 749-700; Credit Grade: A; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 750+; Credit Grade: A+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Published APR range: 6.24% - 13.24%. Model Year: 2017-2021; Rates based on approved credit
Credit Score: 699-660; Grade: B; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 749-700; Grade: A; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 699-660; Credit Grade: B; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 749-700; Credit Grade: A; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 750+; Credit Grade: A+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR; Model Year: 2023 to 2017; Min. $20,000 loan; Rates range 4.99% - 17.74% APR based on credit history
Secured; APR as low as; Monthly payment per $1,000 borrowed: $14.13
Secured; APR as low as; Model year 2023 & 2024 per term cell; Monthly payment per $1,000 borrowed: $16.14
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Interest rates determined by credit scores; loans subject to approval
Down Payment: 0%
Published APR range: 6.49% - 13.49%. Model Year: 2017-2021; Rates based on approved credit
Model Year: 2020-2024; Credit Score: 699-660; Credit Grade: B; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 749-700; Credit Grade: A; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Secured; APR as low as; Model year 2023 & 2024 per term cell; Monthly payment per $1,000 borrowed: $14.85
Published APR range: 6.74% - 13.74%. Model Year: 2017-2021; Rates based on approved credit
Credit Score: 659-630; Grade: C; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 659-630; Grade: C; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 699-660; Grade: B; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 699-660; Credit Grade: B; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 750+; Credit Grade: A+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR; Model Year: 2024 and newer; Min. $30,000 loan; Rates range 4.49% - 17.24% APR based on credit history
As Low As; APR*
- Sep 26, 20266.88%▲ from 6.63%
- Sep 18, 20266.63%first recorded
As Low As; Interest rates determined by credit scores; loans subject to approval
As Low As
- Sep 26, 20266.98%▲ from 6.73%
- Sep 18, 20266.73%first recorded
All car loans over $70,000.00 add 3/4 to the rate
Credit Score: 659-630; Grade: C; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 699-660; Credit Grade: B; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 749-700; Credit Grade: A; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 750+; Credit Grade: A+; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Published APR range: 7.24% - 14.24%. Model Year: 2022-newer; Rates based on approved credit
Credit Score: 659-630; Grade: C; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 659-630; Credit Grade: C; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 749-700; Credit Grade: A; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 750+; Credit Grade: A+; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR as low as*
- Oct 9, 20267.24%▲ from 6.99%
- Oct 1, 20266.99%first recorded
As Low As; Regular APR; Model Year: 2023 to 2017; Min. $30,000 loan; Rates range 4.99% - 17.74% APR based on credit history
Down Payment: 0%
Model Year: 2020-2024; Credit Score: 659-630; Credit Grade: C; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 699-660; Credit Grade: B; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 749-700; Credit Grade: A; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 750+; Credit Grade: A+; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 629-600; Grade: D; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 629-600; Grade: D; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 659-630; Grade: C; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 659-630; Credit Grade: C; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 699-660; Credit Grade: B; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 749-700; Credit Grade: A; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
All car loans over $70,000.00 add 3/4 to the rate
Credit Score: 629-600; Grade: D; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 659-630; Credit Grade: C; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 699-660; Credit Grade: B; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR as low as*
As Low As; Interest rates determined by credit scores; loans subject to approval
Credit Score: 629-600; Grade: D; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 629-600; Credit Grade: D; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 699-660; Credit Grade: B; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 629-600; Credit Grade: D; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 659-630; Credit Grade: C; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR as low as*; Min. $20,000
Credit Score: 629-600; Grade: D; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 629-600; Credit Grade: D; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 659-630; Credit Grade: C; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Interest rates determined by credit scores; loans subject to approval
As Low As; Interest rates determined by credit scores; loans subject to approval
Model Year: 2020-2024; Credit Score: 629-600; Credit Grade: D; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 659-630; Credit Grade: C; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Published APR range: 9.24% - 16.24%. Model Year: 2016 and Older; Rates based on approved credit
Credit Score: 659-630; Credit Grade: C; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Published APR range: 9.49% - 16.49%. Model Year: 2016 and Older; Rates based on approved credit
Model Year: 2020-2024; Credit Score: 629-600; Credit Grade: D; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR as low as*; Min. $30,000
Published APR range: 9.74% - 16.74%. Model Year: 2016 and Older; Rates based on approved credit
Credit Score: 599-0; Grade: E; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 599-0; Grade: E; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 629-600; Credit Grade: D; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 599-0; Grade: E; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 629-600; Credit Grade: D; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 599-0; Grade: E; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 599-0; Credit Grade: E; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 629-600; Credit Grade: D; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 599-0; Credit Grade: E; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 599-0; Grade: E; Up to 100% of Purchase Price + Taxes & Fees
Model Year: 2020-2024; Credit Score: 599-0; Credit Grade: E; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 599-0; Credit Grade: E; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 599-0; Credit Grade: E; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR as low as*
Credit Score: 599-0; Credit Grade: E; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 599-0; Credit Grade: E; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 599-0; Credit Grade: E; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
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; Model Year: 2025 & Newer
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%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
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; Posted rate includes 0.25% APR discount for automatic payments from a Superior Choice account; Membership eligibility required
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
Madison New Auto Auto Loan Rates
Published APR range: 4.49% - 11.49%. Model Year: 2022-newer; Rates based on approved credit
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
Secured; APR as low as; Monthly payment per $1,000 borrowed: $29.75
Published APR range: 4.99% - 11.99%. Model Year: 2022-newer; Rates based on approved credit
As Low As; Banner rate
Credit Score: 750+; Grade: A+; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 750+; Grade: A+; Up to 100% of Purchase Price + Taxes & Fees
Secured; APR as low as; Monthly payment per $1,000 borrowed: $18.87
Published APR range: 5.24% - 12.24%. Model Year: 2022-newer; Rates based on approved credit
Credit Score: 749-700; Grade: A; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 749-700; Grade: A; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 750+; Grade: A+; Up to 100% of Purchase Price + Taxes & Fees
As Low As; Regular APR; Model Year: 2024 and newer; Rates range 4.49% - 17.24% APR based on credit history
Secured; APR as low as; Monthly payment per $1,000 borrowed: $15.55
As Low As; APR*
- Sep 26, 20265.47%▲ from 5.22%
- Sep 18, 20265.22%first recorded
Published APR range: 5.49% - 12.49%. Model Year: 2022-newer; Rates based on approved credit
Credit Score: 749-700; Grade: A; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 750+; Grade: A+; Up to 100% of Purchase Price + Taxes & Fees
Published APR range: 5.74% - 12.74%. Model Year: 2022-newer; Rates based on approved credit
Credit Score: 699-660; Grade: B; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 699-660; Grade: B; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 749-700; Grade: A; Up to 100% of Purchase Price + Taxes & Fees
As Low As; Regular APR; Model Year: 2024 and newer; Min. $20,000 loan; Rates range 4.49% - 17.24% APR based on credit history
As Low As; APR*
- Sep 26, 20265.77%▲ from 5.52%
- Sep 18, 20265.52%first recorded
As Low As; APR*
- Sep 26, 20265.92%▲ from 5.67%
- Sep 18, 20265.67%first recorded
Credit Score: 699-660; Grade: B; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 750+; Grade: A+; Up to 100% of Purchase Price + Taxes & Fees
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Credit Score: 699-660; Grade: B; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 749-700; Grade: A; Up to 100% of Purchase Price + Taxes & Fees
Secured; APR as low as; Monthly payment per $1,000 borrowed: $14.13
As Low As; Interest rates determined by credit scores; loans subject to approval
Down Payment: 0%
Credit Score: 659-630; Grade: C; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 659-630; Grade: C; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 699-660; Grade: B; Up to 100% of Purchase Price + Taxes & Fees
As Low As; Regular APR; Model Year: 2024 and newer; Min. $30,000 loan; Rates range 4.49% - 17.24% APR based on credit history
As Low As; APR*
- Sep 26, 20266.88%▲ from 6.63%
- Sep 18, 20266.63%first recorded
Credit Score: 659-630; Grade: C; Up to 100% of Purchase Price + Taxes & Fees
Published APR range: 7.24% - 14.24%. Model Year: 2022-newer; Rates based on approved credit
Credit Score: 659-630; Grade: C; Up to 100% of Purchase Price + Taxes & Fees
Down Payment: 0%
Credit Score: 629-600; Grade: D; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 629-600; Grade: D; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 659-630; Grade: C; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 629-600; Grade: D; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 629-600; Grade: D; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 629-600; Grade: D; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 599-0; Grade: E; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 599-0; Grade: E; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 599-0; Grade: E; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 599-0; Grade: E; Up to 100% of Purchase Price + Taxes & Fees
Credit Score: 599-0; Grade: E; Up to 100% of Purchase Price + Taxes & Fees
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 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
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; Posted rate includes 0.25% APR discount for automatic payments from a Superior Choice account; Membership eligibility required
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)
Madison Used Auto Auto Loan Rates
As Low As; Regular APR; Model Year: 2023 to 2017; Rates range 4.99% - 17.74% APR based on credit history
- Oct 9, 20264.99%▼ from 5.24%
- Oct 1, 20265.24%first recorded
Secured; APR as low as; Model year 2023 & 2024 per term cell; Monthly payment per $1,000 borrowed: $29.97
Secured; APR as low as; Model year 2023 & 2024 per term cell; Monthly payment per $1,000 borrowed: $18.99
As Low As
- Sep 26, 20265.47%▲ from 5.22%
- Sep 18, 20265.22%first recorded
As Low As; Banner rate
Model Year: 2020-2024; Credit Score: 750+; Credit Grade: A+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As
- Sep 26, 20265.67%▲ from 5.42%
- Sep 18, 20265.42%first recorded
Published APR range: 5.74% - 12.74%. Model Year: 2017-2021; Rates based on approved credit
Model Year: 2020-2024; Credit Score: 749-700; Credit Grade: A; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 750+; Credit Grade: A+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR; Model Year: 2023 to 2017; Rates range 4.99% - 17.74% APR based on credit history
As Low As
- Sep 26, 20265.92%▲ from 5.67%
- Sep 18, 20265.67%first recorded
Published APR range: 5.99% - 12.99%. Model Year: 2017-2021; Rates based on approved credit
Model Year: 2020-2024; Credit Score: 749-700; Credit Grade: A; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 750+; Credit Grade: A+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Published APR range: 6.24% - 13.24%. Model Year: 2017-2021; Rates based on approved credit
Model Year: 2020-2024; Credit Score: 699-660; Credit Grade: B; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 749-700; Credit Grade: A; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 750+; Credit Grade: A+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR; Model Year: 2023 to 2017; Min. $20,000 loan; Rates range 4.99% - 17.74% APR based on credit history
Secured; APR as low as; Model year 2023 & 2024 per term cell; Monthly payment per $1,000 borrowed: $16.14
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Published APR range: 6.49% - 13.49%. Model Year: 2017-2021; Rates based on approved credit
Model Year: 2020-2024; Credit Score: 699-660; Credit Grade: B; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 749-700; Credit Grade: A; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Secured; APR as low as; Model year 2023 & 2024 per term cell; Monthly payment per $1,000 borrowed: $14.85
Published APR range: 6.74% - 13.74%. Model Year: 2017-2021; Rates based on approved credit
Model Year: 2020-2024; Credit Score: 699-660; Credit Grade: B; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 750+; Credit Grade: A+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As
- Sep 26, 20266.98%▲ from 6.73%
- Sep 18, 20266.73%first recorded
All car loans over $70,000.00 add 3/4 to the rate
Model Year: 2020-2024; Credit Score: 699-660; Credit Grade: B; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 749-700; Credit Grade: A; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 750+; Credit Grade: A+; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 659-630; Credit Grade: C; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 749-700; Credit Grade: A; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 750+; Credit Grade: A+; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR as low as*
- Oct 9, 20267.24%▲ from 6.99%
- Oct 1, 20266.99%first recorded
As Low As; Regular APR; Model Year: 2023 to 2017; Min. $30,000 loan; Rates range 4.99% - 17.74% APR based on credit history
Model Year: 2020-2024; Credit Score: 659-630; Credit Grade: C; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 699-660; Credit Grade: B; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 749-700; Credit Grade: A; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 750+; Credit Grade: A+; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 659-630; Credit Grade: C; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 699-660; Credit Grade: B; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 749-700; Credit Grade: A; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
All car loans over $70,000.00 add 3/4 to the rate
Model Year: 2020-2024; Credit Score: 659-630; Credit Grade: C; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 699-660; Credit Grade: B; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR as low as*
Model Year: 2020-2024; Credit Score: 629-600; Credit Grade: D; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 699-660; Credit Grade: B; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 629-600; Credit Grade: D; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 659-630; Credit Grade: C; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR as low as*; Min. $20,000
Model Year: 2020-2024; Credit Score: 629-600; Credit Grade: D; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 659-630; Credit Grade: C; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 629-600; Credit Grade: D; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 659-630; Credit Grade: C; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Published APR range: 9.24% - 16.24%. Model Year: 2016 and Older; Rates based on approved credit
Credit Score: 659-630; Credit Grade: C; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Published APR range: 9.49% - 16.49%. Model Year: 2016 and Older; Rates based on approved credit
Model Year: 2020-2024; Credit Score: 629-600; Credit Grade: D; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR as low as*; Min. $30,000
Published APR range: 9.74% - 16.74%. Model Year: 2016 and Older; Rates based on approved credit
Credit Score: 629-600; Credit Grade: D; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 629-600; Credit Grade: D; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 599-0; Credit Grade: E; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 629-600; Credit Grade: D; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 599-0; Credit Grade: E; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 599-0; Credit Grade: E; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 599-0; Credit Grade: E; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2020-2024; Credit Score: 599-0; Credit Grade: E; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
As Low As; Regular APR as low as*
Credit Score: 599-0; Credit Grade: E; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 599-0; Credit Grade: E; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Credit Score: 599-0; Credit Grade: E; Model Year: 2019 & Older; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower
Model Year: 2022 - 2026; Rates effective as of 8/03/26
Term: 36 Months - 63 Months; As Low As
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.
Wisconsin new auto rates rose 0.025 points over the past 7 days to 5.261% APR.
Wisconsin used auto rates rose 0.038 points over the past 7 days to 6.219% APR.
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.
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 @ 5.26% APR WI average | Used Auto @ 6.22% APR WI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.86/mo | $291.52/mo | $6.66/mo |
| $25,000 | $474.77/mo | $485.87/mo | $11.09/mo |
| $35,000 | $664.68/mo | $680.21/mo | $15.53/mo |
| $45,000 | $854.59/mo | $874.56/mo | $19.97/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
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.
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 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
A $570 monthly car payment works out to roughly 15.4% of the median individual income in Madison, 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 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 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 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.
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.
Bad Credit Auto Loans in Madison, 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 Madison, 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 Madison, 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 Madison, Wisconsin?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Madison, Wisconsin?
- Minnesota Catholic Credit Union: 4.49% (New Autos)
- Heartland Credit Union Madison, WI: 4.49% (New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Loan)
- Avestar Credit Union: 4.50% (New Autos/ Motor Cycles 2025 Or Newer)
- Madison Credit Union: 4.99% (New Car Loan)
- Landmark Credit Union WI: 5.34% (Auto Loan - 2026 & 2025)
Madison, Wisconsin Rates & Resources
