PERSONAL LOAN PRODUCTS
Car Loan Rates
Shopping for an auto loan?
Look no further in your search for competitively rated, flexible term and quick turnaround auto loans. We have some of the best rates in Southeastern Wisconsin! Also, you can enjoy a 0.25% interest rate reduction if you set up automatic payments from your Ixonia Bank Checking account.
Let us help you finance new or used vehicles, as well as refinance existing vehicles. You can also check out our Financial Calculators to help determine loan payments.
Vehicle
Year
Maximum
Term
Interest
Rate Without Auto Pay
APR*
Without Auto Pay
APR*
With Auto Pay
2026
78 Months
6.250%
6.579%
6.328%
2025
72 Months
6.000%
6.353%
6.101%
2024
60 Months
5.500%
5.915%
5.665%
2023
54 Months
5.500%
5.958%
5.707%
2022
48 Months
5.250%
5.760%
5.509%
2021
42 Months
5.250%
5.828%
5.577%
2020
36 Months
5.125%
5.793%
5.543%
2019
30 Months
5.125%
5.917%
5.666%
20181
24 Months
5.000%
5.976%
5.725%
2017 & Older2
24 Months
5.000%
5.976%
5.725%
Vehicle
Year
2026
Maximum
Term
78 Months
Interest
Rate Without Auto Pay
6.250%
APR*
Without Auto Pay
6.579%
APR*
With Auto Pay
6.328%
Vehicle
Year
2025
Maximum
Term
72 Months
Interest
Rate Without Auto Pay
6.000%
APR*
Without Auto Pay
6.353%
APR*
With Auto Pay
6.101%
Vehicle
Year
2024
Maximum
Term
60 Months
Interest
Rate Without Auto Pay
5.500%
APR*
Without Auto Pay
5.915%
APR*
With Auto Pay
5.665%
Vehicle
Year
2023
Maximum
Term
54 Months
Interest
Rate Without Auto Pay
5.500%
APR*
Without Auto Pay
5.958%
APR*
With Auto Pay
5.707%
Vehicle
Year
2022
Maximum
Term
48 Months
Interest
Rate Without Auto Pay
5.250%
APR*
Without Auto Pay
5.760%
APR*
With Auto Pay
5.509%
Vehicle
Year
2021
Maximum
Term
42 Months
Interest
Rate Without Auto Pay
5.250%
APR*
Without Auto Pay
5.828%
APR*
With Auto Pay
5.577%
Vehicle
Year
2020
Maximum
Term
36 Months
Interest
Rate Without Auto Pay
5.125%
APR*
Without Auto Pay
5.793%
APR*
With Auto Pay
5.543%
Vehicle
Year
2019
Maximum
Term
30 Months
Interest
Rate Without Auto Pay
5.125%
APR*
Without Auto Pay
5.917%
APR*
With Auto Pay
5.666%
Vehicle
Year
20181
Maximum
Term
24 Months
Interest
Rate Without Auto Pay
5.000%
APR*
Without Auto Pay
5.976%
APR*
With Auto Pay
5.725%
Vehicle
Year
2017 & Older2
Maximum
Term
24 Months
Interest
Rate Without Auto Pay
5.000%
APR*
Without Auto Pay
5.976%
APR*
With Auto Pay
5.725%
*APR = Annual Percentage Rate
1. Requires 25% Down Payment
2. Requires 50% Down Payment
APR is accurate as of 1/15/2026 and is subject to change without notice. Not an offer to extend credit. A 0.25% interest rate reduction will be provided if an automatic payment is set up from an Ixonia Bank checking account. Advertised APR is based on enrollment in auto-pay from Ixonia Bank checking account, a credit score of 700 or better, loan amount of $20,000.00 and maximum term of 48 months. Payment Example: If enrolled in Auto Pay, a 48-month term would be 48 monthly payments of $460.56 at 5.509%APR for $20,000 borrowed. If not enrolled in auto-pay, APR would be 5.760%. Subject to credit and underwriting approval. Your actual rate and payment amount may be different as determined by your collateral, terms, loan amount and credit qualifications. Other restrictions may apply. Contact us for current rates, other applicable fees, terms and additional details.
Start Your Application
Contact a Market Manager who can walk you through the process to get the best rate for you!
