See if there are any Credit Unions locally and go talk to them and after giving some basic financial info about yourself ask them if you would have a good chance of getting their best rate before actually submitting an application. Check out Capital One bank, they have decent rates. I went with a local credit union but I'm in CA so it wouldn't help you. Check out the 20/4/10 rule, if you wanna be financially "responsible" with buying a car. I didn't exactly adhere to it, but I kept it in mind, and sort of adhered to it, lol.
I’m actually military and I’m in the DMV area, just threw the Wisconsin part in there because that’s where I’m from and I’d register the car there for the fees and insurance aspect. And I’d most definitely want to drive the car year round, however I’d rather not deal with the shitty drivers out here during winter months, and having the constant urge to clean the car everyday because of the salt on the roads.
