Get Affordable Auto Loans in Wisconsin: Low Payments & Fast Approval
With 90 days no pay, your next vehicle comes with more freedom and fewer financial worries. Buy or refinance your car, truck, or recreational vehicle today and take up to 3 months before your first payment is due.*
*Interest accrues during the 90-day no-payment period. Initial payments may apply to interest only, depending on the amount owed and rate at the time of the loan. Existing Heartland Credit Union loans, as well as commercial or agricultural loans, are not eligible. Loan approval is subject to creditworthiness. Current auto, boat, and recreational vehicle loan rates range from 4.99%–20.49% Annual Percentage Rate (APR) as of November 13, 2025, and are based on credit history. Applications must be received by December 31, 2025. Rates and terms are subject to change based on market conditions and borrower eligibility.
Today's auto loan rates
View ratesRegular rate 36 months
As low as
Affordable payments
You can choose among several auto loans in Wisconsin with different terms and rate options, so you can select the payment plan that fits your budget.
Easy application
Thanks to our quick and easy online process, applying for a car loan in Wisconsin is simple—do it anytime, anywhere, at your convenience.
Fast approval
Never miss an opportunity to buy your dream vehicle. Heartland's quick application review and approval process helps you complete your purchase sooner.
Guaranteed Asset Protection (GAP)
You can add GAP insurance to protect you financially in the event of a vehicle theft or major accident. We offer a lower cost than what is offered at dealers or other financial institutions.
Mechanical Repair Coverage (MRC)
You can add affordable MRC coverage to help offset the costs of mechanical breakdown repairs. You'll likely pay less than what other places charge for the same protection.
Rate comparison
Based in Madison, WI, DataTrac helps you compare the best rates available for new or used vehicle loans helping you save time and money during the shopping process.
Have a question?
Come meet our amazing team today! As a trusted credit union in Wisconsin, we can help you find affordable student loans in Wisconsin that match your needs.
Estimate your monthly payment
Let's see what your monthly payment could be.
Monthly Payment
Save more of your hard-earned money
We work hard to offer lower auto loan rates in Wisconsin and longer terms so you have a more affordable monthly payment, making the car-buying experience more budget-friendly.
Everyone working on my loan was very professional and extremely nice to work and talk with...thank you again.
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1
Complete an application
Apply online or in-person at any branch location for the loan amount you want for your vehicle purchase.
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2
Get approved
We will review your application and quickly inform you of your approval status.
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3
Purchase your vehicle
Once approved, use your loan funds to purchase a new or used vehicle, and then manage your loan payments directly through digital banking.
Low-Interest Rate Auto Loans in Wisconsin
With multiple loan options to give you low monthly payments and flexible terms, buying a new or used vehicle is more possible than ever.
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*Interest accrues during the 90-day no-payment period. Initial payments may apply to interest only, depending on the amount owed and rate at the time of the loan. Existing Heartland Credit Union loans, as well as commercial or agricultural loans, are not eligible. Loan approval is subject to creditworthiness. Current auto, boat, and recreational vehicle loan rates range from 5.24%–20.49% Annual Percentage Rate (APR) as of November 1, 2025, and are based on credit history. Applications must be received by December 31, 2025. Rates and terms are subject to change based on market conditions and borrower eligibility.
Rates
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Rates
| Term | Regular APR as low as* |
|---|---|
| Up to 36 months |
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| 37 - 60 months |
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| 61 - 72 months (Min. $20,000) |
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| 73 months or greater (Min. $30,000) |
|
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2016) Rates
| Term | Regular APR as low as* |
|---|---|
| Up to 36 months |
|
| 37 - 60 months |
|
| 61 - 72 months (Min. $20,000) |
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| 73 months or greater (Min. $30,000) |
|
Rates effective as of: December 3, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2015 to 2010) Rates
| Term | Regular APR as low as* |
|---|---|
| Up to 36 months |
|
| 37 - 60 months |
|
| 61 - 72 months (Min. $20,000) |
|
| 73 months or greater (Min. $30,000) |
|
Rates effective as of: December 3, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2009 and older) Rates
| Term | Regular APR as low as* |
|---|---|
| Up to 60 months |
|
Rates effective as of: December 3, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
Recreational Vehicles: Snowmobiles | ATVs | Campers (2016 and newer) Rates
| Term | Regular APR for UNtitled vehicles as low as* |
|---|---|
| Up to 36 months |
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| 37 - 60 months |
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| 61 - 72 months (Min. $20,000) |
|
| 73 months or greater (Min. $30,000) |
|
Rates effective as of: December 3, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
All features
Low rates
We are proud to offer lower rates on auto loans in Wisconsin than other credit unions or banks, helping you better afford your next vehicle.
Terms up to 84 months
You can have greater control over how much you pay each month with our flexible term options.
AutoSmart
You can make car shopping even easier by using AutoSmart to digitally compare options from a trusted resource.
Financial coaching
Heartland offers financial coaching services so you can learn more about resources and best practices to stay in control of your financial health while paying off your auto loan.
Payment options
You can make individual payments online or set up automatic transfers to help you find the most flexible, successful payment method for your loan.
Personal service
You can call a representative to access reliable, friendly service when you have questions about your loan.
Pre-approval option
We can help you get pre-approved for a loan through Heartland so you can more confidently negotiate your vehicle price when shopping.
Tax, title, licensing for third-party purchases
You can skip the DMV and work directly with us to help you with these services, saving you energy and time from your busy schedule.
Apply for an auto loan
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File a Loan Protection Claim
Protection when it matters. We are here to help!
In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:
- Life
- Terminal Illness
- Accidental Dismemberment
- Hospitalization
- Family Medical Leave
- Loss of life of a Dependent
- Disability
- Involuntary Unemployment
To begin, please fill out a claim form HERE!
If you prefer, call 1.800.621.6323 to begin the process and a TruStage Claims Specialist will guide you through the process.
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