Wauwatosa, Wisconsin Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Wauwatosa, Wisconsin auto loan rates range from 3.49% to 7.29% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Wauwatosa, Wisconsin include Landmark Credit Union WILandmark Credit Union WI3600 N 124th St, Wauwatosa, WI, 53222A+5.0 ★Texas Ratio: 3.05% offering Auto Loan - 2026 & 2025 at 5.34%, University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union2365 N Mayfair Rd, Wauwatosa, WI, 53226A+5.0 ★Texas Ratio: 3.38% offering New Auto Loans at 5.47%, Tri City National BankTri City National Bank10859 W Bluemound Rd, Wauwatosa, WI, 53226A+5.0 ★Texas Ratio: 4.17% offering 2020-2025 Used Auto Loan at 5.60%, Chase BankChase Bank7430 West State Street, Wauwatosa, WI, 53213A+5.0 ★Texas Ratio: 3.68% offering New car purchase Loan at 6.24%, MCU Financial Center Credit UnionMCU Financial Center Credit UnionA+5.0 ★Texas Ratio: 4.66% offering 2024 & Newer Automobiles and Motorcycles at 3.49%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Wauwatosa has 4 local institutions in our database, with auto loan rates as low as 5.34% APR from Landmark Credit Union WI at 3600 N 124th St, Wauwatosa, WI, 53222. 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 Wauwatosa, Wisconsin. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Wauwatosa, Wisconsin & Surrounding Area
Wauwatosa Auto Loan Rates
As Low As
- 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
- Oct 7, 20265.60%▲ from 5.50%
- Oct 2, 20265.50%▲ from 4.95%
- Sep 15, 20264.95%first recorded
- Oct 7, 20265.60%▲ from 5.50%
- Oct 2, 20265.50%▲ from 4.95%
- Sep 15, 20264.95%first recorded
As Low As
- Sep 26, 20265.67%▲ from 5.42%
- Sep 18, 20265.42%first recorded
As Low As
- Sep 26, 20265.77%▲ from 5.52%
- Sep 18, 20265.52%first recorded
As Low As
- 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
- Oct 7, 20265.94%▲ from 5.84%
- Oct 2, 20265.84%▲ from 5.29%
- Sep 15, 20265.29%first recorded
- Oct 7, 20265.94%▲ from 5.84%
- Oct 2, 20265.84%▲ from 5.29%
- Sep 15, 20265.29%first recorded
- Oct 7, 20266.18%▲ from 6.08%
- Oct 2, 20266.08%▲ from 5.53%
- Sep 15, 20265.53%first recorded
- 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
- 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
- Oct 7, 20266.43%▲ from 6.33%
- Oct 2, 20266.33%▲ from 5.78%
- Sep 15, 20265.78%first recorded
- Oct 7, 20266.55%▲ from 6.45%
- Oct 2, 20266.45%▲ from 5.90%
- Sep 15, 20265.90%first recorded
As Low As
- Sep 26, 20266.88%▲ from 6.63%
- Sep 18, 20266.63%first recorded
As Low As
- Sep 26, 20266.98%▲ from 6.73%
- Sep 18, 20266.73%first recorded
- Oct 7, 20267.05%▲ from 6.95%
- Oct 2, 20266.95%first recorded
Additional APR listed for this product: 5.74%. As Low as; Auto Loan
- Sep 22, 20263.74%▼ from 5.74%
- Sep 14, 20265.74%first recorded
APR
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
Additional APR listed for this product: 5.99%. As Low as; Auto Loan
- Sep 22, 20263.99%▼ from 5.99%
- Sep 18, 20265.99%▲ from 3.99%
- Sep 14, 20263.99%first recorded
APR*
Loan terms of 84 months have a minimum beginning balance of $20,000 or more. Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender.
As Low As
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20263.99%▼ from 4.24%
- Sep 14, 20264.24%first recorded
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; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.14%▼ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
As Low as; Auto Loan
Model Year: 2019 - 2021
Model Year: 2019 - 2021
Model Year: 2019 - 2021
Model Year: 2019 - 2021
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
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
Additional APR listed for this product: 4.75%. 0.50% Rate Discount Special
Additional APR listed for this product: 4.75%. 0.50% Rate Discount Special
APR*: -0.75
As Low As; **Monthly Payment Per $1,000
As Low As; **Monthly Payment Per $1,000
As Low As; **Monthly Payment Per $1,000
As Low As
Estimated Monthly Payment Per $1000: $29.64
Estimated Monthly Payment Per $1000: $22.69
Estimated Monthly Payment Per $1000: $18.53
Estimated Monthly Payment Per $1000: $15.76
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.29%▼ from 4.54%
- Sep 14, 20264.54%first recorded
As Low As; *
As Low As; *
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; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.39%▼ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.44%▼ from 4.69%
- Sep 14, 20264.69%first recorded
Published APR range: 4.49% - 11.49%.
Additional APR listed for this product: 4.99%. 0.50% Rate Discount Special
Additional APR listed for this product: 4.99%. 0.50% Rate Discount Special
As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/24/2026.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
As low as; *
As low as; *
As low as; *
As low as; *
Credit Grade: (A+) 730+
As Low as; Auto Loan
As Low as; Payment Per $1,000: $43.65
- Oct 9, 20264.49%▲ from 3.74%
- Sep 22, 20263.74%▼ from 5.74%
- Sep 14, 20265.74%first recorded
- Sep 22, 20264.49%▼ from 10.99%
- Sep 18, 202610.99%first recorded
- Sep 22, 20264.49%▼ from 11.99%
- Sep 18, 202611.99%first recorded
- Sep 22, 20264.49%▼ from 11.99%
- Sep 18, 202611.99%first recorded
APR
Published APR range: 4.49% - 17.24%. Rates effective as of: October 9, 2026. APR is the Annual Percentage Rate. REGULAR, NON-PROMOTIONAL car, truck, motorcycle, boat, and motor home rates range between: 4.49% - 17.24% (2024 and newer), 4.99% - 17.74% (2023 - 2017), 7.24% - 19.99% (2016 - 2011), 11.49% - 20.49% (2010 and older), and 5.99% - 18.49% (other recreation vehicles 2017 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = $29.97 (2024 and newer), $30.19 (2023 - 2017), $30.87 (2016 - 2011), $32.73 (2010 and older), $30.42 (other recreation vehicles 2017 and newer), per $1,000 for 36 months.
- Oct 9, 20264.49%▼ from 4.74%
- Oct 1, 20264.74%first recorded
As Low As
Additional APR listed for this product: 5.49%.
- Oct 5, 20264.49%▼ from 5.49%
- Sep 18, 20265.49%first recorded
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
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
APR*: -0.75
APR*: -0.5
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
APR*: -0.75
APR*: -0.75
As Low As
As Low As
- Sep 18, 20264.50%▼ from 7.50%
- Sep 14, 20267.50%first recorded
Additional APR listed for this product: 5.00%, 8.50%.
- Sep 18, 20264.50%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Additional APR listed for this product: 5.25%, 9.50%.
- Sep 18, 20264.50%▼ from 9.50%
- Sep 14, 20269.50%first recorded
Minimum for ATV/UTV
Auto Loans As Low As 4.54% APR
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.54%▼ from 4.79%
- Sep 14, 20264.79%first recorded
As Low As; *
As Low As; *
Additional APR listed for this product: 5.14%. 0.50% Rate Discount Special
As Low As; *
As Low As; Rates and terms based on creditworthiness, loan-to-value, and age of vehicle. Rates and promotion are subject to change without notice. 4.64% APR = Other rates and terms offered. Membership eligibility required.
Based on $35,000 loan amount
- Sep 19, 20264.64%▼ from 4.64%
- Sep 16, 20264.64%first recorded
As Low As*; *Rates subject to change. See credit union for details.
As Low As*; *Rates subject to change. See credit union for details.
As Low As*; *Rates subject to change. See credit union for details.
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.69%▼ from 4.94%
- Sep 14, 20264.94%first recorded
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
- Oct 1, 20264.74%▼ from 13.99%
- Sep 14, 202613.99%first recorded
As low as; *
Credit Grade: (A) 680-729
Credit Grade: (A+) 730+
As Low as; Auto Loan
As Low as; Payment Per $1,000: $29.86
- Oct 9, 20264.74%▲ from 3.99%
- Sep 22, 20263.99%▼ from 5.99%
- Sep 18, 20265.99%▲ from 3.99%
- Sep 14, 20263.99%first recorded
APR
Model Year: 2022 and Newer
Model Year: 2022 and Newer
Model Year: 2022 and Newer
As Low As; Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
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
APR*: -0.5
- Oct 9, 20264.75%▲ from 4.50%
- Sep 22, 20264.50%first recorded
APR*: -0.25
- Oct 9, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
APR*: -0.75
APR*: -0.5
- Oct 9, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
APR*: -0.5
- Oct 9, 20264.75%▲ from 4.50%
- Sep 22, 20264.50%first recorded
APR*: -0.75
- Oct 9, 20264.75%▼ from 5.00%
- Sep 22, 20265.00%first recorded
As Low As; **Monthly Payment Per $1,000
Estimated Monthly Payment Per $1000: $14.02
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.
- Oct 5, 20264.75%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Minimum for ATV/UTV
Wauwatosa New Auto Auto Loan Rates
As Low As
- Sep 26, 20265.47%▲ from 5.22%
- Sep 18, 20265.22%first recorded
- Oct 7, 20265.60%▲ from 5.50%
- Oct 2, 20265.50%▲ from 4.95%
- Sep 15, 20264.95%first recorded
As Low As
- Sep 26, 20265.77%▲ from 5.52%
- Sep 18, 20265.52%first recorded
As Low As
- Sep 26, 20265.92%▲ from 5.67%
- Sep 18, 20265.67%first recorded
- Oct 7, 20265.94%▲ from 5.84%
- Oct 2, 20265.84%▲ from 5.29%
- Sep 15, 20265.29%first recorded
- Oct 7, 20266.18%▲ from 6.08%
- Oct 2, 20266.08%▲ from 5.53%
- Sep 15, 20265.53%first recorded
- 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
- Oct 7, 20266.55%▲ from 6.45%
- Oct 2, 20266.45%▲ from 5.90%
- Sep 15, 20265.90%first recorded
As Low As
- Sep 26, 20266.88%▲ from 6.63%
- Sep 18, 20266.63%first recorded
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
APR*
Loan terms of 84 months have a minimum beginning balance of $20,000 or more. Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender.
As Low As
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20263.99%▼ from 4.24%
- Sep 14, 20264.24%first recorded
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; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.14%▼ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
Year: 2026-2024; Credit Tier: Max 100%1 A
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
APR*: -0.75
As Low As; **Monthly Payment Per $1,000
As Low As; **Monthly Payment Per $1,000
As Low As; **Monthly Payment Per $1,000
Estimated Monthly Payment Per $1000: $29.64
Estimated Monthly Payment Per $1000: $22.69
Estimated Monthly Payment Per $1000: $18.53
Estimated Monthly Payment Per $1000: $15.76
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.29%▼ from 4.54%
- Sep 14, 20264.54%first recorded
As Low As; *
As Low As; *
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; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.44%▼ from 4.69%
- Sep 14, 20264.69%first recorded
Published APR range: 4.49% - 11.49%.
As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/24/2026.
As Low As; Additional 0.25% discount on Hybrid and Electric vehicles.
Published APR range: 4.49% - 17.24%. Rates effective as of: October 9, 2026. APR is the Annual Percentage Rate. REGULAR, NON-PROMOTIONAL car, truck, motorcycle, boat, and motor home rates range between: 4.49% - 17.24% (2024 and newer), 4.99% - 17.74% (2023 - 2017), 7.24% - 19.99% (2016 - 2011), 11.49% - 20.49% (2010 and older), and 5.99% - 18.49% (other recreation vehicles 2017 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = $29.97 (2024 and newer), $30.19 (2023 - 2017), $30.87 (2016 - 2011), $32.73 (2010 and older), $30.42 (other recreation vehicles 2017 and newer), per $1,000 for 36 months.
- Oct 9, 20264.49%▼ from 4.74%
- Oct 1, 20264.74%first recorded
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
over $20,000; As Low As
APR*: -0.75
APR*: -0.5
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
- Sep 18, 20264.50%▼ from 7.50%
- Sep 14, 20267.50%first recorded
Additional APR listed for this product: 5.00%, 8.50%.
- Sep 18, 20264.50%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Additional APR listed for this product: 5.25%, 9.50%.
- Sep 18, 20264.50%▼ from 9.50%
- Sep 14, 20269.50%first recorded
Auto Loans As Low As 4.54% APR
As Low As; *
Based on $35,000 loan amount
- Sep 19, 20264.64%▼ from 4.64%
- Sep 16, 20264.64%first recorded
As Low As*; *Rates subject to change. See credit union for details.
As Low As*; *Rates subject to change. See credit union for details.
As Low As*; *Rates subject to change. See credit union for details.
As Low As; Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 A
Year: 2026-2024; Credit Tier: Max 100%1 A
over $20,000; As Low As
APR*: -0.5
- Oct 9, 20264.75%▲ from 4.50%
- Sep 22, 20264.50%first recorded
APR*: -0.25
- Oct 9, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As; **Monthly Payment Per $1,000
Estimated Monthly Payment Per $1000: $14.02
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.
- Oct 5, 20264.75%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Wauwatosa Used Auto Auto Loan Rates
As Low As
- Sep 26, 20265.47%▲ from 5.22%
- Sep 18, 20265.22%first recorded
- Oct 7, 20265.60%▲ from 5.50%
- Oct 2, 20265.50%▲ from 4.95%
- Sep 15, 20264.95%first recorded
As Low As
- Sep 26, 20265.67%▲ from 5.42%
- Sep 18, 20265.42%first recorded
As Low As
- Sep 26, 20265.92%▲ from 5.67%
- Sep 18, 20265.67%first recorded
- Oct 7, 20265.94%▲ from 5.84%
- Oct 2, 20265.84%▲ from 5.29%
- Sep 15, 20265.29%first recorded
- 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
- Oct 7, 20266.43%▲ from 6.33%
- Oct 2, 20266.33%▲ from 5.78%
- Sep 15, 20265.78%first recorded
As Low As
- Sep 26, 20266.98%▲ from 6.73%
- Sep 18, 20266.73%first recorded
- Oct 7, 20267.05%▲ from 6.95%
- Oct 2, 20266.95%first recorded
Term: 36 Months - 63 Months; As Low As
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
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; **Monthly Payment Per $1,000
As Low As; **Monthly Payment Per $1,000
As Low As; **Monthly Payment Per $1,000
As Low As
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.39%▼ from 4.64%
- Sep 14, 20264.64%first recorded
Credit Grade: (A+) 730+
As Low As
Additional APR listed for this product: 5.49%.
- Oct 5, 20264.49%▼ from 5.49%
- Sep 18, 20265.49%first recorded
Based on $35,000 loan amount
- Sep 19, 20264.50%▼ from 4.50%
- Sep 16, 20264.50%first recorded
APR*: -0.75
APR*: -0.75
As Low As
As Low As
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.54%▼ from 4.79%
- Sep 14, 20264.79%first recorded
As Low As; Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. 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.
- Oct 5, 20264.69%▼ from 4.94%
- Sep 14, 20264.94%first recorded
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
APR*: -0.75
APR*: -0.5
- Oct 9, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
APR*: -0.5
- Oct 9, 20264.75%▲ from 4.50%
- Sep 22, 20264.50%first recorded
APR*: -0.75
- Oct 9, 20264.75%▼ from 5.00%
- Sep 22, 20265.00%first recorded
As Low As; **Monthly Payment Per $1,000
Wauwatosa, WI Auto Loan Rate Trends
Compare local Wauwatosa, 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 0.009 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.
Wauwatosa, 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 @ 5.22% 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 Wauwatosa, Wisconsin
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Wauwatosa, 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 Wauwatosa, 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: Wauwatosa, Wisconsin CD rates lock in a guaranteed return until you’re ready to buy
Wauwatosa, 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 11.2% of the median individual income in Wauwatosa, 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 Wauwatosa, 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 Wauwatosa, 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 Wauwatosa, 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 Wauwatosa, 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 Wauwatosa, 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 Wauwatosa, 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 Wauwatosa, 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 Wauwatosa, 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 Wauwatosa, Wisconsin?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Wauwatosa, Wisconsin?
- Landmark Credit Union WI: 5.34% (Auto Loan - 2026 & 2025)
- University of Wisconsin Credit Union: 5.47% (New Auto Loans)
- Tri City National Bank: 5.60% (2020-2025 Used Auto Loan)
- Chase Bank: 6.24% (New car purchase Loan)
- MCU Financial Center Credit Union: 3.49% (2024 & Newer Automobiles and Motorcycles)
Wauwatosa, Wisconsin Rates & Resources
