Auto Loan
Best Auto Loan Rates in Wisconsin
Unhappy with your current auto loan terms? Click here to refinance and drive home some savings!
Unhappy with your current auto loan terms? Click here to refinance and drive home some savings!
Your credit score is one important aspect when it comes to auto loan rates. In addition to credit score, the loan term and the kind of vehicle you have applied for the loan for all play a role in determining the auto loan rates in Wisconsin. Here are the companies that offer the best auto loan rates in the state.
In Wisconsin, there are banks, credit unions, and other national institutions that provide the best auto loan rates. Banks like the Commercial Bank of Texas and Premier Bank, Water-Light Credit Union, and Fon Du Lac Credit Union are some of the providers that offer the best auto loan rates in Wisconsin.
There is a good list of banks to choose from when it comes to getting the best auto loan rates in Wisconsin. The lowest APR among the banks is 3.80% for 36 months, and you might find it with Banks like the Commercial Bank of Texas and Premier Bank. However, if you are looking at a longer term of 72 months, the APR can range from 5.00% to 6.00% and above.
| Banks | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Anchorbank | 5.81% | 6.31% | 6.56% | 5.87% |
| Associated Bank, National Association | 6.35% | 6.50% | 6.76% | NA |
| CCFBANK | 4.30% | 4.60% | 4.80% | 5.00% |
| Commercial Bank of Texas | 3.80% | 4.04% | 4.23% | 4.43% |
| National Bank of Waupun | 4.06% | 4.06% | 4.06% | 4.46% |
| National Exchange Bank and Trust | 4.06% | NA | 4.06% | 4.75% |
| Premier Bank | 3.80% | 4.06% | NA | 4.43% |
| State Bank of Chilton | 6.06% | 6.06% | 6.06% | 6.06% |
| Wisconsin Bank & Trust | 4.06% | 4.06% | 4.06% | NA |
Wisconsin has a set of credit unions that provide affordable auto loans. However, when it comes to applying for loans, you need to be a member. Some of the best credit unions in Wisconsin that give the best interest rates include the Meadowland Credit Union, Water-Light Credit Union, and Fon Du Lac Credit Union. With good credit scores, you can lock in rates as low as 4.45% for 36 months.
| Credit Union | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Connexus Credit Union | 6.55% | 6.75% | 6.95% | NA |
| Penfed Credit Union | 5.50% | 5.60% | 5.65% | 5.95% |
| Co-op Credit Union | 6.20% | 6.30% | 6.30% | 6.90% |
| Fon Du Lac Credit Union | 5.80% | 6.05% | 5.85% | 5.56% |
| Fox Communities Credit Union | 6.55% | 6.55% | 6.55% | 6.55% |
| Meadowland Credit Union | 4.45% | 4.80% | 5.05% | 5.30% |
| Members Advantage Credit Union | 6.55% | 6.65% | 6.85% | 7.05% |
| Water-Light Credit Union | 4.85% | 4.95% | 5.15% | NA |
Nationalized institutions are another option when it comes to auto loans. In Wisconsin, several national institutions offer the best auto loan rates. This includes Chartway Federal Credit Union, PenFed Credit Union, and Navy Federal Credit Union.
| Company | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Connexus Credit Union | 6.55% | 6.75% | 6.95% | 7.25% |
| PenFed Credit Union | 5.50% | 5.60% | 5.65% | 5.95% |
| Chartway Federal Credit Union | 5.81% | 5.81% | 6.31% | 6.31% |
| Bank of America | 6.05% | 6.05% | 6.32% | 6.32% |
| Navy Federal Credit Union | 4.15% | 4.55% | 4.55% | NA |
| USAA | 5.80% | 5.80% | 5.80% | 5.80% |
| Wells Fargo Bank National Association | 3.43% | NA | NA. | NA |
Fewer banks are offering consistent loans for the most common loan terms when it comes to used cars. While it can start at 6.81% for 36 months, it can also be as low as 4.21% for the same term. CCFBANK, Alliance Bank, and Premier Bank offer the best loan rates for used cars in Wisconsin.
| Banks | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Anchorbank | 6.81% | 6.81% | 5.72% | 5.87% |
| Associated Bank, National Association | 6.35% | 6.50% | 6.76% | NA |
| CCFBANK | 4.60% | 4.80% | 5.00% | NA |
| Commercial Bank of Texas | 4.30% | 4.53% | NA | 4.75% |
| Alliance Bank | 4.21% | 4.26% | 4.26% | 4.31% |
| National Exchange Bank and Trust | 4.56% | NA | NA | 4.75% |
| Premier Bank | 4.30% | 4.53% | NA | 4.75% |
| State Bank of Chilton | 6.06% | 6.06% | 6.06% | 6.06% |
| The PNC Financial Services Group | NA | 7.00% | 7.15% | NA |
The loan rates for used cars can be a bit higher for used cars. Fond Du Lac Credit Union, Meadowland Credit Union, and Water-Light Credit Union offer the best car loan rates for used cars in WI.
| Credit Union | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Connexus Credit Union | 6.80% | 7.05% | 7.30% | NA |
| Pentagon Federal Credit Union | 6.85% | 6.95% | 7.00% | 7.05% |
| Co-op Credit Union | 6.40% | 6.60% | 7.00% | NA |
| Fond Du Lac Credit Union | 5.80% | 6.05% | 6.30% | 6.55% |
| Fox Communities Credit Union | 6.55% | 6.55% | 6.55% | NA |
| Meadowland Credit Union | 4.55% | 4.80% | 5.05% | 5.30% |
| Water-Light Credit Union | 4.85% | 4.95% | 5.15% | NA |
| Westconsin Credit Union | 6.80% | NA | NA | NA |
Various national institutions offer competitive APRs across different loan terms for used cars in Wisconsin, providing options for borrowers to compare and choose from. PenFed Credit Union, Chartway Federal Credit Union, JP Morgan Chase Bank, and Navy Federal Credit Union are among the institutions offering some of the most competitive rates for a shorter 36-month term or a longer 72-month term.
| Company | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Connexus Credit Union | 6.55% | 6.75% | 6.95% | 7.25% |
| PenFed Credit Union | 6.85% | 6.95% | 7.00% | 7.05% |
| Chartway Federal Credit Union | 5.81% | 5.81% | 5.91% | 6.31% |
| Affinity Plus Federal Credit Union | 6.30% | 6.30% | NA | NA |
| JP Morgan Chase Bank | 3.60% | 3.60% | 3.50% | 3.45% |
| Navy Federal Credit Union | 5.05% | 5.55% | 5.55% | 5.65% |
There are several factors you need to consider while researching your car loan rates.
The current auto loan rates in Wisconsin start at 3.80% for shorter terms. Certain nationalized institutions or credit unions like Wells Fargo offer auto loan rates in Wisconsin as low as 3.60%. Also, comparing offers from lenders will help you to understand the rates in the state.
Both banks and credit unions offer the best auto loan rates in Wisconsin. Banks like Commercial Bank of Texas and Premier Bank, credit unions like Meadowland Credit Union, Water-Light Credit Union, Fon Du Lac Credit Union, and other national institutions like Wells Fargo offer the best auto loan rates in Wisconsin.
Banks such as Commercial Bank of Texas and Premier Bank, along with credit unions like Meadowland Credit Union, Water-Light Credit Union, and Fon Du Lac Credit Union, as well as national institutions like Wells Fargo, offer some of the best car loan rates in Wisconsin.
If you have an excellent credit score, then the best rates for auto loans start at 3.80% in the state.
Your location, your credit history, and your down payment amount will influence the loan rates. In Wisconsin, Commercial Bank of Texas and Premier Bank offer competitive rates.
Meadowland Credit Union, Water-Light Credit Union, and Fond Du Lac Credit Union are the credit unions that provide the best auto loan rates in Wisconsin.
The average auto loan interest rate for used cars starts at 3.60%.