Who regulates auto loans in Wisconsin?

Wisconsin's Department of Financial Institutions licenses consumer auto lenders. Visit wdfi.org to verify a lender's license or file a consumer complaint.

Does Wisconsin have rate caps on auto loans?

Wisconsin's consumer lending laws set rate limits for installment loans. Verify current applicable caps with the Department of Financial Institutions at wdfi.org.

What credit score do I need for an auto loan in Wisconsin?

Most bank and credit union lenders start at 620 FICO. Wisconsin's active credit union sector offers competitive options for mid-credit borrowers. Best APRs go to 720+ borrowers.

Are there good credit unions for auto loans in Wisconsin?

Yes — UW Credit Union, Summit Credit Union, and Landmark Credit Union are examples of Wisconsin credit unions with competitive auto loan programs.

How do I file an auto loan complaint in Wisconsin?

Contact Wisconsin's Department of Financial Institutions at wdfi.org or the CFPB at consumerfinance.gov for disputes about auto loan terms or lender conduct.

Auto Loans in Wisconsin

Wisconsin's manufacturing and dairy economy make vehicle ownership near-universal. Milwaukee and Madison have competitive bank and credit union markets, while rural Wisconsin borrowers benefit from national online direct lenders. Trucks and SUVs are popular vehicle categories given Wisconsin's winters.

Current auto loan rate benchmarks

National averages from the Federal Reserve G.19 (live data) — commercial banks, new car loans. Not state-specific rates — not a rate quote. Your actual rate depends on credit score, down payment, vehicle, and lender.

60-Month New Car

7.52%

National avg, commercial banks — February 2026

72-Month New Car

7.55%

National avg, commercial banks — February 2026

Credit Unions

Typically 1–2 pts below banks

NCUA rate comparison →

Illustrative example — not a rate quote or offer

$35,000 loan · 60 months · 7.52% APR (Federal Reserve G.19 (live data) national benchmark)

Est. monthly