Janesville, Wisconsin Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Janesville, Wisconsin auto loan rates range from 3.49% to 12.59% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Janesville, Wisconsin include First Community Credit Union of Beloit Credit UnionFirst Community Credit Union of Beloit Credit Union2701 N Pontiac Dr, Janesville, WI, 53545A5.0 ★Texas Ratio: 6.15%Rate verified Nov 9, 2026 offering Auto Loan at 3.84%, Heartland Credit Union Madison, WIHeartland Credit Union Madison, WI3400 E Racine St, Janesville, WI, 53546A+5.0 ★Texas Ratio: 2.39%Rate verified Nov 8, 2026 offering New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Loan at 4.49%, Blackhawk Community Credit UnionBlackhawk Community Credit Union2640 W Court St, Janesville, WI, 53548A+5.0 ★Texas Ratio: 3.06%Rate verified Nov 8, 2026 offering Automobiles - Cars, Trucks, & Motorcycles at 5.39%, Chase BankChase Bank18 N Arch St, Janesville, WI, 53548A+5.0 ★Texas Ratio: 3.68%Rate verified Nov 5, 2026 offering Auto Loan - New car purchase at 6.09%, MCU Financial Center Credit UnionMCU Financial Center Credit UnionA+5.0 ★Texas Ratio: 4.66%Rate verified Nov 8, 2026 offering Vehicle Loans - 2024 & Newer Automobiles and Motorcycles at 3.49%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Janesville has 4 local institutions in our database, with auto loan rates as low as 3.84% APR from First Community Credit Union of Beloit Credit Union at 2701 N Pontiac Dr, Janesville, WI, 53545. 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 Janesville, Wisconsin. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Janesville, Wisconsin & Surrounding Area
Janesville Auto Loan Rates
As Low As; Model Year: 2023 - 2027
As low as rate for 2023-2027 models; the 3.84% rate applies to the up-to-36-month term in the rate table
As Low As; Regular APR; Estimated lowest; Rates range 4.49% - 17.24% based on credit history
- Oct 9, 20264.49%▼ from 4.74%
- Oct 1, 20264.74%first recorded
As Low As; Regular APR; Regular, non-promotional
- Oct 9, 20264.99%▼ from 5.24%
- Oct 1, 20265.24%first recorded
As Low As; Regular APR; Estimated lowest; Rates range 4.49% - 17.24% based on credit history
As Low As; Auto Loan; Our Lowest APR
As Low As; Model Year: 2023 - 2027
As Low As; Regular APR; Min. $20,000; Rates range 4.49% - 17.24% based on credit history
As Low As; Regular APR; Regular, non-promotional
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Regular APR; Regular, non-promotional; Min. $20,000
As Low As; Model Year: 2023 - 2027
As Low As; Model Year: 2018 - 2022 & Classic Cars
As Low As; Regular APR; Min. $30,000; Rates range 4.49% - 17.24% based on credit history
Term: Up to 84 months (< 70,000 miles); As Low As; Model Year: 2018 - 2022 & Classic Cars
As Low As; Regular APR; Regular, non-promotional
- Oct 9, 20267.24%▲ from 6.99%
- Oct 1, 20266.99%first recorded
As Low As; Regular APR; Regular, non-promotional; Min. $30,000
As Low As; Model Year: 2016 - 2017
As Low As; Vehicle: New, < 10,000 Miles, or Elite Classics
As Low As; Vehicle: New Corvette & High-End Elite
As Low As; Regular APR; Regular, non-promotional
As Low As; Model Year: 2014 - 2015
As Low As; Regular APR; Regular, non-promotional; Min. $20,000
As Low As; Regular APR; Regular, non-promotional; Min. $30,000
As Low As; Regular APR; Regular, non-promotional
As Low As; Model Year: 2013 and Older
- Nov 9, 202612.59%▲ from 3.84%
- Nov 3, 20263.84%first recorded
APR is annual percentage rate; rates based on credit scores; excludes MCU refinances
APR is annual percentage rate; rates based on credit scores; excludes MCU refinances
APR is annual percentage rate; rates based on credit scores; excludes MCU refinances
APR is annual percentage rate; rates based on credit scores; excludes MCU refinances
As Low As; Rates subject to change
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
Rates effective as of 8/03/26
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As; OAC
As Low As; APR Rate (as low as)*
- Nov 3, 20263.99%▼ from 4.49%
- Sep 22, 20264.49%first recorded
As Low As; APR Rate (as low as)*
- Nov 3, 20263.99%▼ from 4.49%
- Sep 22, 20264.49%first recorded
As Low As; APR Rate (as low as)*
- Nov 3, 20263.99%▼ from 4.49%
- Sep 22, 20264.49%first recorded
As Low As; APR Rate (as low as)*
- Nov 3, 20263.99%▼ from 4.49%
- Sep 22, 20264.49%first recorded
As Low As; Monthly payment per $1,000: $29.52 (36 months)
- Nov 3, 20263.99%▼ from 4.69%
- Sep 14, 20264.69%first recorded
As Low As; Loan Rate (APR*)
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
As Low As; Vehicles 2020 & newer (Vehicles, Boats, RVs, Motorcycles, etc.); Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; APR effective as of 10/1/2026
As Low As; Vehicles 2020 & newer (Vehicles, Boats, RVs, Motorcycles, etc.); Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; APR effective as of 10/1/2026
As Low As; Vehicles 2020 & newer (Vehicles, Boats, RVs, Motorcycles, etc.); Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; APR effective as of 10/1/2026
As Low As; Vehicles 2020 & newer (Vehicles, Boats, RVs, Motorcycles, etc.); Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; APR effective as of 10/1/2026
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; posted rate for 36-month terms; includes 0.25% APR discount for automatic payments
Term: 36 Months - 63 Months; As Low As
Term: 36 Months - 63 Months; As Low As
As Low As
- Nov 3, 20264.09%▼ from 4.79%
- Sep 14, 20264.79%first recorded
Based on $35,000 loan amount
- Sep 19, 20264.10%▼ from 4.10%
- Sep 16, 20264.10%first recorded
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
As Low As; Rates effective as of 9/01/2026; Models 2024-2027; Lowest available rates, may vary by credit score and LTV
As Low As; Model Year: 2023 & newer; Cost Per $1000: $22.69; Vehicles, Boats & Campers
As Low As; Model Year: 2023 & newer; Cost Per $1000: $18.53; Vehicles, Boats & Campers
As Low As; APR Rate (as low as)*
- Nov 3, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Model Year: 2019 - 2021
As Low As; Model Year: 2019 - 2021
As Low As; Model Year: 2019 - 2021
As Low As; Model Year: 2019 - 2021
As Low As; Models: 2022-2023; Never Titled; Payment per $1000 ignored; Rates effective as of 9/01/2026; For longer terms on Recreational Vehicles, see "Motor Homes, Campers, Boats"
- Oct 19, 20264.24%▲ from 4.19%
- Oct 13, 20264.19%first recorded
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
Model Year: 2026 - 2023
Model Year: 2026-2024; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
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: 2020 - 2021
Rate discount: -0.75
- Oct 26, 20264.25%▼ from 5.00%
- Oct 13, 20265.00%first recorded
As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026
As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026
As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026
As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026
As Low As; Model year 2022 & newer (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 credit score; member eligibility required
As Low As; Model year 2022 & newer (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 credit score; member eligibility required
As Low As; Model year 2022 & newer (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 credit score; member eligibility required
As Low As; Model year 2022 & newer (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 credit score; member eligibility required
As Low As
- Nov 3, 20264.29%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%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: Monday, October 19th, 2026; Lowest available to qualified borrowers
Model Year: 2026 - 2025 with less than 15,000 miles
Model Year: 2026 - 2025 with less than 15,000 miles
As Low As; Model Year: 2018-2021; Rates effective as of 9/01/2026; Rates and payments are our lowest available, individual rates may vary based on credit score and LTV
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
APR range: 4.49% - 11.49%; rates based on approved credit
As Low As; Model Year: 2023 & newer; Cost Per $1000: $15.88; Vehicles, Boats & Campers
As Low As; Model Year: 2020-2022; Cost Per $1000: $29.75; Vehicles, Boats & Campers
As Low As; Secured; Model Year: 2023 and Newer
As Low As; Secured; Model Year: 2023 and Newer
As Low As; Secured; Model Year: 2023 and Newer
Auto Pay; Model Year: New - 2026
Auto Pay; Model Year: New - 2026
Auto Pay; Model Year: New - 2026
Auto Pay; Model Year: 2026 New
Auto Pay; Model Year: 2026 New
Auto Pay; Model Year: 2026 New
As Low As; Rates subject to change
As Low As; APR as low as 4.49%
As Low As; Loan Rate (APR*)
As Low As; Estimated monthly payment per $1000 for 60 months: $18.64; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; Vehicles, Boats, RVs, Motorcycles, etc.; Any vehicles 2015 and older please refer to our Personal Loan Rates
As Low As; Choose Your Rate table
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
As Low As; Model Year: 2020 - 2021
As Low As; Model Year: 2020 - 2021
Rate discount: -0.5
- Oct 26, 20264.50%▼ from 5.00%
- Oct 13, 20265.00%first recorded
Minimum loan $20K; Rate discount: -0.75
- Oct 26, 20264.50%▼ from 5.25%
- Oct 13, 20265.25%first recorded
Rate discount: -0.75
- Oct 26, 20264.50%▼ from 5.25%
- Oct 13, 20265.25%first recorded
Rate discount: -0.75
- Oct 26, 20264.50%▼ from 5.25%
- Oct 13, 20265.25%first recorded
As Low As; Model Year: 2025-2026
Titled Collateral; Model Year: 2023 - Newer
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 2020 & newer (Vehicles, Boats, RVs, Motorcycles, etc.); Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; APR effective as of 10/1/2026
$30,000 Minimum for ATV/UTV
Model year: 2023 & Newer Vehicles; Featured rate
Model Year: 2026 - 2025 with less than 15,000 miles
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
As Low As; Model Year: 2023 & Newer; As low as is based on credit score; Rates effective as of October 26, 2026
- Oct 19, 20264.59%▼ from 5.99%
- Sep 18, 20265.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; Model Year: 2025 & Newer
As Low As; Model Year: 2025 & Newer
As Low As; Great rates on new Cars, Trucks and SUV's
As Low As
- Nov 3, 20264.59%▼ from 5.29%
- Sep 14, 20265.29%first recorded
As Low As; Includes titled vehicles; APR reflects one-time $59 loan processing fee; based on $20,000 loan amount (72-month term has $15,000 minimum loan amount), LTV <=80%, credit score >=725; requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay
As Low As; Includes titled vehicles; Loan with 36-72 month term for $20,000 loan amount, LTV <=80%, credit score >=725 (72-month term has $15,000 minimum loan amount); APR reflects one-time $59 loan processing fee; requires active checking or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account
As Low As; Rates effective as of 9/01/2026; Models 2024-2027; Lowest available rates, may vary by credit score and LTV
As Low As; Includes titled vehicles; APR reflects one-time $59 loan processing fee; based on $20,000 loan amount, LTV <=80%, credit score >=725; requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay
As Low As; Includes titled vehicles; Loan with 36-72 month term for $20,000 loan amount, LTV <=80%, credit score >=725; APR reflects one-time $59 loan processing fee; requires active checking or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account
As Low As; Includes titled vehicles; APR reflects one-time $59 loan processing fee; based on $20,000 loan amount, LTV <=80%, credit score >=725; requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay
As Low As; Includes titled vehicles; Loan with 36-72 month term for $20,000 loan amount, LTV <=80%, credit score >=725; APR reflects one-time $59 loan processing fee; requires active checking or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account
Used 2025 with more than 15,000 miles - 2020; Rates effective October 13, 2026
Used 2025 with more than 15,000 miles - 2020; Rates effective October 13, 2026
As Low As; Models: 2022-2023; Never Titled; Payment per $1000 ignored; Rates effective as of 9/01/2026; For longer terms on Recreational Vehicles, see "Motor Homes, Campers, Boats"
- Oct 19, 20264.64%▲ from 4.59%
- Oct 13, 20264.59%first recorded
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; APR reflects one-time $59 loan processing fee; based on $20,000 loan amount, LTV <=80%, credit score >=725; requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay
As Low As; Includes titled vehicles; Loan with 36-72 month term for $20,000 loan amount, LTV <=80%, credit score >=725; APR reflects one-time $59 loan processing fee; requires active checking or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account
Model Year: 2026-2025
Model Year: 2026-2025
As Low As; Effective Date: October 25, 2026
As Low As; Effective Date: October 25, 2026
As Low As; Effective Date: October 25, 2026
As Low As; Rates effective as of 9/01/2026; Models 2024-2027; Lowest available rates, may vary by credit score and LTV
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
As Low As; OAC
As Low As; Model Year: 2016-2019; Cost Per $1000: $29.86; Vehicles, Boats & Campers
As Low As; Secured; Model Year: 2020-2022
As Low As; Secured; Model Year: 2020-2022
As Low As; Secured; Model Year: 2020-2022
As Low As; Secured; Model Year: 2023 and Newer
As Low As; Secured; Model Year: 2023 and Newer
Model Year: 2026-2025
Credit Grade: (A+) 730+
As Low As; Rates subject to change
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
As Low As; Models: 2022-2023; Never Titled; Payment per $1000 ignored; Rates effective as of 9/01/2026; For longer terms on Recreational Vehicles, see "Motor Homes, Campers, Boats"
- Oct 19, 20264.74%▲ from 4.69%
- Oct 13, 20264.69%first recorded
As Low As; Effective Date: Monday, October 19th, 2026; Some restrictions apply for terms 72 months and higher; Lowest available to qualified borrowers
Model Year: 2026 - 2023
As Low As
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2026-2024; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
over $20,000; As Low As
As Low As; APR* as low as**
As Low As; APR* as low as**
As Low As; Secured; Model Year: 2025 or newer
- Oct 29, 20264.75%▲ from 4.50%
- Sep 18, 20264.50%first recorded
As Low As; Model Year: 2022 & Newer
Rate discount: -0.25
- Oct 26, 20264.75%▼ from 5.00%
- Oct 13, 20265.00%first recorded
Minimum loan $20K; Rate discount: -0.5
- Oct 26, 20264.75%▼ from 5.25%
- Oct 13, 20265.25%first recorded
Rate discount: -0.75
- Oct 26, 20264.75%▼ from 5.50%
- Oct 13, 20265.50%first recorded
Rate discount: -0.5
- Oct 26, 20264.75%▼ from 5.25%
- Oct 13, 20265.25%first recorded
Rate discount: -0.75
- Oct 26, 20264.75%▼ from 5.50%
- Oct 13, 20265.50%first recorded
Rate discount: -0.5
- Oct 26, 20264.75%▼ from 5.25%
- Oct 13, 20265.25%first recorded
Minimum loan $20K; Rate discount: -0.75
- Oct 26, 20264.75%▼ from 5.50%
- Oct 13, 20265.50%first recorded
Auto Pay; Model Year: New - 2026
Auto Pay; Model Year: 2026 New
Titled Collateral; Model Year: 2023 - Newer
Janesville New Auto Auto Loan Rates
As low as rate for 2023-2027 models; the 3.84% rate applies to the up-to-36-month term in the rate table
As Low As; Regular APR; Estimated lowest; Rates range 4.49% - 17.24% based on credit history
- Oct 9, 20264.49%▼ from 4.74%
- Oct 1, 20264.74%first recorded
As Low As; Regular APR; Estimated lowest; Rates range 4.49% - 17.24% based on credit history
As Low As; Regular APR; Min. $20,000; Rates range 4.49% - 17.24% based on credit history
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; Regular APR; Min. $30,000; Rates range 4.49% - 17.24% based on credit history
APR is annual percentage rate; rates based on credit scores; excludes MCU refinances
APR is annual percentage rate; rates based on credit scores; excludes MCU refinances
APR is annual percentage rate; rates based on credit scores; excludes MCU refinances
APR is annual percentage rate; rates based on credit scores; excludes MCU refinances
Rates effective as of 8/03/26
As Low As; OAC
As Low As; Loan Rate (APR*)
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
As Low As; Vehicles 2020 & newer (Vehicles, Boats, RVs, Motorcycles, etc.); Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; APR effective as of 10/1/2026
As Low As; Vehicles 2020 & newer (Vehicles, Boats, RVs, Motorcycles, etc.); Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; APR effective as of 10/1/2026
As Low As; Vehicles 2020 & newer (Vehicles, Boats, RVs, Motorcycles, etc.); Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; APR effective as of 10/1/2026
As Low As; Vehicles 2020 & newer (Vehicles, Boats, RVs, Motorcycles, etc.); Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; APR effective as of 10/1/2026
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; posted rate for 36-month terms; includes 0.25% APR discount for automatic payments
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: Monday, October 19th, 2026; Lowest available to qualified borrowers
Model Year: 2026-2024; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
As Low As; Model Year: 2022 & Newer
As Low As; Model Year: 2022 & Newer
As Low As; Model Year: 2022 & Newer
Rate discount: -0.75
- Oct 26, 20264.25%▼ from 5.00%
- Oct 13, 20265.00%first recorded
As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026
As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026
As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026
As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APRs effective as of 6/16/2026
As Low As; Model year 2022 & newer (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 credit score; member eligibility required
As Low As; Model year 2022 & newer (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 credit score; member eligibility required
As Low As; Model year 2022 & newer (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 credit score; member eligibility required
As Low As; Model year 2022 & newer (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 credit score; member eligibility required
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
Based on $35,000 loan amount
- Sep 19, 20264.36%▼ from 4.36%
- Sep 16, 20264.36%first recorded
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
APR range: 4.49% - 11.49%; rates based on approved credit
over $20,000; As Low As
Rate discount: -0.5
- Oct 26, 20264.50%▼ from 5.00%
- Oct 13, 20265.00%first recorded
Minimum loan $20K; Rate discount: -0.75
- Oct 26, 20264.50%▼ from 5.25%
- Oct 13, 20265.25%first recorded
As Low As; Model Year: 2025-2026
Titled Collateral; Model Year: 2023 - Newer
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 2020 & newer (Vehicles, Boats, RVs, Motorcycles, etc.); Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; APR effective as of 10/1/2026
Model year: 2023 & Newer Vehicles; Featured rate
As Low As; Great rates on new Cars, Trucks and SUV's
Based on $35,000 loan amount
- Sep 19, 20264.64%▼ from 4.64%
- Sep 16, 20264.64%first recorded
Model Year: 2026-2025
Model Year: 2026-2025
As Low As; Effective Date: October 25, 2026
As Low As; Effective Date: October 25, 2026
As Low As; Effective Date: October 25, 2026
Model Year: 2026-2025
As Low As; Effective Date: Monday, October 19th, 2026; Some restrictions apply for terms 72 months and higher; Lowest available to qualified borrowers
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2026-2024; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
over $20,000; As Low As
As Low As; Secured; Model Year: 2025 or newer
- Oct 29, 20264.75%▲ from 4.50%
- Sep 18, 20264.50%first recorded
As Low As; Model Year: 2022 & Newer
Rate discount: -0.25
- Oct 26, 20264.75%▼ from 5.00%
- Oct 13, 20265.00%first recorded
Minimum loan $20K; Rate discount: -0.5
- Oct 26, 20264.75%▼ from 5.25%
- Oct 13, 20265.25%first recorded
Titled Collateral; Model Year: 2023 - Newer
Janesville Used Auto Auto Loan Rates
As Low As; Regular APR; Regular, non-promotional
- Oct 9, 20264.99%▼ from 5.24%
- Oct 1, 20265.24%first recorded
As Low As; Regular APR; Regular, non-promotional
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Regular APR; Regular, non-promotional; Min. $20,000
As Low As; Regular APR; Regular, non-promotional
- Oct 9, 20267.24%▲ from 6.99%
- Oct 1, 20266.99%first recorded
As Low As; Regular APR; Regular, non-promotional; Min. $30,000
As Low As; Regular APR; Regular, non-promotional
As Low As; Regular APR; Regular, non-promotional; Min. $20,000
As Low As; Regular APR; Regular, non-promotional; Min. $30,000
As Low As; Regular APR; Regular, non-promotional
Rates effective as of 8/03/26
As Low As; OAC
Term: 36 Months - 63 Months; As Low As
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
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: 2020 - 2021
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
As Low As; Loan Rate (APR*)
As Low As; Estimated monthly payment per $1000 for 60 months: $18.64; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; Vehicles, Boats, RVs, Motorcycles, etc.; Any vehicles 2015 and older please refer to our 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
As Low As; Model Year: 2020 - 2021
Rate discount: -0.75
- Oct 26, 20264.50%▼ from 5.25%
- Oct 13, 20265.25%first recorded
Rate discount: -0.75
- Oct 26, 20264.50%▼ from 5.25%
- Oct 13, 20265.25%first recorded
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
Used 2025 with more than 15,000 miles - 2020; Rates effective October 13, 2026
Used 2025 with more than 15,000 miles - 2020; Rates effective October 13, 2026
As Low As; Effective Date: Monday, October 19th, 2026; Lowest available to qualified borrowers
Credit Grade: (A+) 730+
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
over $20,000; As Low As
As Low As; Model Year: 2022 & Newer
Rate discount: -0.75
- Oct 26, 20264.75%▼ from 5.50%
- Oct 13, 20265.50%first recorded
Rate discount: -0.5
- Oct 26, 20264.75%▼ from 5.25%
- Oct 13, 20265.25%first recorded
Rate discount: -0.75
- Oct 26, 20264.75%▼ from 5.50%
- Oct 13, 20265.50%first recorded
Rate discount: -0.5
- Oct 26, 20264.75%▼ from 5.25%
- Oct 13, 20265.25%first recorded
Minimum loan $20K; Rate discount: -0.75
- Oct 26, 20264.75%▼ from 5.50%
- Oct 13, 20265.50%first recorded
Janesville, WI Auto Loan Rate Trends
Compare local Janesville, 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 0.034 points over the past 7 days to 5.374% APR.
Wisconsin used auto rates fell 0.021 points over the past 7 days to 6.168% APR.
Janesville, 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 @ 5.37% APR WI average | Used Auto @ 6.17% APR WI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.64/mo | $291.17/mo | $5.52/mo |
| $25,000 | $476.07/mo | $485.28/mo | $9.21/mo |
| $35,000 | $666.50/mo | $679.39/mo | $12.89/mo |
| $45,000 | $856.93/mo | $873.50/mo | $16.57/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 Janesville, Wisconsin
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Janesville, 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 Janesville, 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: Janesville, Wisconsin CD rates lock in a guaranteed return until you’re ready to buy
Janesville, Wisconsin Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $571 monthly car payment works out to roughly 16.0% of the median individual income in Janesville, 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 Janesville, 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 Janesville, 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 Janesville, 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 Janesville, 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 Janesville, 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 Janesville, 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 Janesville, Wisconsin
What are auto loan rates in Janesville, Wisconsin today?
How does my credit score affect my car loan rate in Janesville, 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 Janesville, 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 Janesville, Wisconsin?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Janesville, Wisconsin?
- First Community Credit Union of Beloit Credit Union: 3.84% (Auto Loan)
- Heartland Credit Union Madison, WI: 4.49% (New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Loan)
- Blackhawk Community Credit Union: 5.39% (Automobiles - Cars, Trucks, & Motorcycles)
- Chase Bank: 6.09% (Auto Loan - New car purchase)
- MCU Financial Center Credit Union: 3.49% (Vehicle Loans - 2024 & Newer Automobiles and Motorcycles)
Janesville, Wisconsin Rates & Resources
