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Guardian Credit Union auto loan rates compared

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Wisconsin · Headquarters Wisconsin

Wisconsin-based credit union; membership required

Rate page on guardiancu.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 5 rates

As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $500Min. loan $500: The lender publishes this rate with a $500 minimum loan amount.

4.64%NewUp to 36 months

WIChecked Nov 11, 2026

What the lender published

New autos and motorcycles. Advertised as up to 36 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $500. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 4.64% from Guardian Credit UnionVisit lender ↗
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount.

4.94%New37–48 months

WIChecked Nov 11, 2026

What the lender published

New autos and motorcycles. Advertised as 37-48 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $5,000. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 4.94% from Guardian Credit UnionVisit lender ↗
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.

5.44%New49–60 months

WIChecked Nov 11, 2026

What the lender published

New autos and motorcycles. Advertised as 49-60 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $10,000. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 5.44% from Guardian Credit UnionVisit lender ↗
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.

5.74%New61–72 months

WIChecked Nov 11, 2026

What the lender published

New autos and motorcycles. Advertised as 61-72 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $15,000. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 5.74% from Guardian Credit UnionVisit lender ↗
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.74%New73–84 months

WIChecked Nov 11, 2026

What the lender published

New autos and motorcycles. Advertised as 73-84 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $20,000. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 6.74% from Guardian Credit UnionVisit lender ↗

UsedUsed car rates · 5 rates

As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $500Min. loan $500: The lender publishes this rate with a $500 minimum loan amount.

4.89%UsedUp to 36 months

WIChecked Nov 11, 2026

What the lender published

Used autos and motorcycles. Advertised as up to 36 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $500. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 4.89% from Guardian Credit UnionVisit lender ↗
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount.

5.29%Used37–48 months

WIChecked Nov 11, 2026

What the lender published

Used autos and motorcycles. Advertised as 37-48 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $5,000. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 5.29% from Guardian Credit UnionVisit lender ↗
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount.

5.59%Used49–60 months

WIChecked Nov 11, 2026

What the lender published

Used autos and motorcycles. Advertised as 49-60 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $10,000. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 5.59% from Guardian Credit UnionVisit lender ↗
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.

6.19%Used61–72 months

WIChecked Nov 11, 2026

What the lender published

Used autos and motorcycles. Advertised as 61-72 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $15,000. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 6.19% from Guardian Credit UnionVisit lender ↗
As low asLTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.89%Used73–84 months

WIChecked Nov 11, 2026

What the lender published

Used autos and motorcycles. Advertised as 73-84 months. APR as low as; assumes a loan-to-value under 80%. Minimum loan $20,000. Effective November 2, 2026.

Checked Nov 11, 2026Source guardiancu.org

Calculate payment at 6.89% from Guardian Credit UnionVisit lender ↗