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  7. Auto Loan Rate Trends

Oklahoma Best Auto Loan Rates - October 2026

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Brian McKay Brian McKay
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Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Oklahoma. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Oklahoma auto loan rates range from 2.99% to 7.09% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Oklahoma include TEXOMA EDUCATORSTEXOMA EDUCATORS424 N Washington Ave, Durant, OK, 74701 3461A+5.0 ★Texas Ratio: 2.55% offering New vehicles Loan at 2.99%, Credit Union One Of Oklahoma Credit UnionCredit Union One Of Oklahoma Credit Union3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406A5.0 ★Texas Ratio: 8.42% offering Auto Loans at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union12411 E 96th St N, Owasso, OK, 74055A+5.0 ★Texas Ratio: 2.87% offering New Auto at 3.34%, Multi-States Credit UnionMulti-States Credit Union4200 W Memorial Rd, Oklahoma City, OK, 73120A+5.0 ★Texas Ratio: 2.17% offering New Vehicles Loan at 3.49%, OKLAHOMASOKLAHOMAS200 NE 21st St, Oklahoma City, OK, 73105A+5.0 ★Texas Ratio: 1.36% offering Auto Loan at 3.74%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare auto loan rates across Oklahoma side-by-side. Oklahoma auto loan rates currently start as low as 2.99% APR from TEXOMA EDUCATORS at 424 N Washington Ave, Durant, OK, 74701 3461. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Oklahoma. Auto Loan Rates Last Updated and Verified: October 13, 2026

Compare Auto Loan Rates Today in Oklahoma

Jump to: All Auto Loans · New Auto · Used Auto

Oklahoma Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
2.99%
0-36 months
View
▼
APR2.99%
Term0-36 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 7 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 13, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
3.24%
up to 36 months
View
▼
APR3.24%
Interest Rate3.24%
Termup to 36 months
Last UpdatedOct 13, 2026
Details

Model Year: 2023 - Newer; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
1 change since Sep 14, 2026 · 3.99% → 3.24% ▼ 0.75 pts · high 3.99% / low 3.24%
2.49%3.62%4.74%Sep 14, 2026: 3.99% APRSep 22, 2026: 3.24% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.24%▼ from 3.99%
  • Sep 14, 20263.99%first recorded
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
12411 E 96th St N, Owasso, OK, 74055
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
4200 W Memorial Rd, Oklahoma City, OK, 73120
New Vehicles Loan
3.49%
3 Years
View
▼
APR3.49%
Term3 Years
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025-2026

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK, 73105
Auto Loan
3.74%
36 months
View
▼
APR3.74%
Term36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 30, 2026 · 3.74% APR · checked 4 times
3.24%3.74%4.24%Sep 30, 2026: 3.74% APRSep 30, 2026Oct 13, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
New & Used Autos
3.74%
Up to 36 months
View
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As low as; *

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
3.74%
37 - 48 months
View
▼
APR3.74%
Interest Rate3.74%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

Model Year: 2023 - Newer; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
1 change since Sep 14, 2026 · 4.49% → 3.74% ▼ 0.75 pts · high 4.49% / low 3.74%
2.99%4.12%5.24%Sep 14, 2026: 4.49% APRSep 22, 2026: 3.74% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.74%▼ from 4.49%
  • Sep 14, 20264.49%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
3.75%
24 months
View
▼
APR3.75%
Term24 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 9.75% APR

Rate History
No change since Sep 17, 2026 · 3.75% APR · checked 8 times
3.25%3.75%4.25%Sep 17, 2026: 3.75% APRSep 17, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK, 74820
Repo Vehicle Loans
3.99%
60 Months Fixed Rate
View
▼
APR3.99%
Term60 Months Fixed Rate
Last UpdatedOct 7, 2026
Details

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK, 73127 7229
Cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks Loan
3.99%
0-36 Months
View
▼
APR3.99%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% - 11.99%. 2023 & Newer Models

Rate History
No change since Oct 9, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Oct 9, 2026: 3.99% APROct 9, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
3.99%
37-48 months
View
▼
APR3.99%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
3.99%
up to 36 months
View
▼
APR3.99%
Interest Rate3.99%
Termup to 36 months
Last UpdatedOct 13, 2026
Details

Model Year: 2019 - 2022; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Credit Union Owned Autos
3.99%
up to 84 Months
View
▼
APR3.99%
Termup to 84 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% - 5.99%. Rate range 3.99% - 5.99% APR*; stored low end as rate; Effective Date 9-1-26; APR = Annual Percentage Rate

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 10.00% APR

Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APRSep 17, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
12411 E 96th St N, Owasso, OK, 74055
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 13, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK, 73105
Auto Loan
4.24%
60 months
View
▼
APR4.24%
Term60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 30, 2026: 4.24% APRSep 30, 2026Oct 13, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK, 74107
Automobiles
4.24%
up to 84 months
View
▼
APR4.24%
Termup to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: 30,000 to 49,999; Rates effective 1/1/2026

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 5 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
4200 W Memorial Rd, Oklahoma City, OK, 73120
Used Vehicles - 2024 and Older Loan
4.24%
Up To 6 Years
View
▼
APR4.24%
TermUp To 6 Years
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2024 and Older; Low As Rate is based on a 5 year term; Terms may be based on credit score, model year and mileage

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.24% ▼ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.49% APROct 9, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.24%▼ from 4.49%
  • Sep 14, 20264.49%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
4.24%
49 - 60 months
View
▼
APR4.24%
Interest Rate4.24%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

Model Year: 2023 - Newer; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
1 change since Sep 14, 2026 · 4.99% → 4.24% ▼ 0.75 pts · high 4.99% / low 4.24%
3.49%4.62%5.74%Sep 14, 2026: 4.99% APRSep 22, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20264.24%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 10.25% APR

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
420 NE 10th St, Oklahoma City, OK, 73104
Vehicle Loans 48 months or less
4.45%
48 months
View
▼
APR4.45%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; APR range 4.45% - 18%

Rate History
No change since Oct 4, 2026 · 4.45% APR · checked 3 times
3.95%4.45%4.95%Oct 4, 2026: 4.45% APROct 4, 2026Oct 13, 2026
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★ Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK, 73139 2931
Auto Loans
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.99% → 4.49% ▼ 1.50 pts · high 5.99% / low 4.49%
2.99%5.24%7.49%Sep 14, 2026: 5.99% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
4.49%
61 - 72 months
View
▼
APR4.49%
Interest Rate4.49%
Term61 - 72 months
Last UpdatedOct 13, 2026
Details

Model Year: 2023 - Newer; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
1 change since Sep 14, 2026 · 5.24% → 4.49% ▼ 0.75 pts · high 5.24% / low 4.49%
3.74%4.87%5.99%Sep 14, 2026: 5.24% APRSep 22, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20264.49%▼ from 5.24%
  • Sep 14, 20265.24%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
4.49%
37 - 48 months
View
▼
APR4.49%
Interest Rate4.49%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

Model Year: 2019 - 2022; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 10.50% APR

Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
Auto Loan - 24 Months
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedOct 13, 2026
Details

As Low As; Annual Percentage Rate (APR) as low as; Vehicle Loans - Auto Loans; Rates subject to change; Please call for quote

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
Auto Loan - 36 Months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Annual Percentage Rate (APR) as low as; Vehicle Loans - Auto Loans; Rates subject to change; Please call for quote

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
Vehicle Loan
4.50%
24-84 months
View
▼
APR4.50%
Term24-84 months
Last UpdatedOct 13, 2026
Details

As Low As; Guaranteed Better Loan Advantage; No Payment for 90 Days; Flexible Monthly Terms 24-84

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
4.54%
60 Months
View
▼
APR4.54%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 8 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
4.59%
Up to 60 months
View
▼
APR4.59%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 7 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 13, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
420 NE 10th St, Oklahoma City, OK, 73104
Vehicle Loans 49 thru 66 months
4.70%
66 months
View
▼
APR4.70%
Term66 months
Last UpdatedOct 12, 2026
Details

As Low As; APR range 4.70% - 18%

Rate History
No change since Oct 8, 2026 · 4.70% APR · checked 2 times
4.20%4.70%5.20%Oct 8, 2026: 4.70% APROct 8, 2026Oct 13, 2026
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
9200 E 41st St, Tulsa, OK, 74145
New/Used Auto
4.74%
84 months
View
▼
APR4.74%
Term84 months
Last UpdatedOct 9, 2026
Details

As Low As; 84 month term limited to a loan balance greater than $20,000.00.

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK, 74107
Automobiles
4.74%
up to 96 months
View
▼
APR4.74%
Termup to 96 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: 50,000 plus; Rates effective 1/1/2026

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
4.74%
49 - 60 months
View
▼
APR4.74%
Interest Rate4.74%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

Model Year: 2019 - 2022; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
1 change since Sep 14, 2026 · 4.99% → 4.74% ▼ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.99% APROct 13, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.74%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2325 E I 44 Service Rd, Oklahoma City, OK, 73111 8219
Autos
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 14, 2026: 4.25% APRSep 18, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.75%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
4.75%
24 months
View
▼
APR4.75%
Term24 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 10.75% APR

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 7 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 8 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2025
4.90%
up to 48 months
View
▼
APR4.90%
Termup to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025

Rate History
1 change since Sep 14, 2026 · 4.60% → 4.90% ▲ 0.30 pts · high 4.90% / low 4.60%
4.10%4.75%5.40%Sep 14, 2026: 4.60% APROct 4, 2026: 4.90% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.90%▲ from 4.60%
  • Sep 14, 20264.60%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - NEW! 2026
4.90%
up to 48 months
View
▼
APR4.90%
Termup to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: NEW! 2026

Rate History
No change since Oct 12, 2026 · 4.90% APR
4.40%4.90%5.40%Oct 12, 2026: 4.90% APROct 12, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
4.99%
49-60 months
View
▼
APR4.99%
Term49-60 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK, 73105
Auto Loan
4.99%
75 months
View
▼
APR4.99%
Term75 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 30, 2026: 4.99% APRSep 30, 2026Oct 13, 2026
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
703 S 9th St, Duncan, OK, 73533 5101
Vehicles Loan
4.99%
0 - 84 months
View
▼
APR4.99%
Term0 - 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.99 - 17.00 %. Rates effective as of 12/15/2025

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
4.99%
73 - 84 month
View
▼
APR4.99%
Interest Rate4.99%
Term73 - 84 month
Last UpdatedOct 13, 2026
Details

Model Year: 2023 - Newer; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Oct 13, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
4.99%
61 - 72 months
View
▼
APR4.99%
Interest Rate4.99%
Term61 - 72 months
Last UpdatedOct 13, 2026
Details

Model Year: 2019 - 2022; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
1 change since Sep 14, 2026 · 5.24% → 4.99% ▼ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 5.24% APROct 13, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.99%▼ from 5.24%
  • Sep 14, 20265.24%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 11.00% APR

Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 17, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 11.00% APR

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 7 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Depending on collateral value and borrower credit history

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 9 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
Used Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Depending on collateral value and borrower credit history

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 9 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
Auto Loan - 48 Months
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Annual Percentage Rate (APR) as low as; Vehicle Loans - Auto Loans; Rates subject to change; Please call for quote

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
5.04%
84 Months
View
▼
APR5.04%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 8 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK, 73118 5912
Auto Loan
5.05%
3 year
View
▼
APR5.05%
Term3 year
Last UpdatedOct 10, 2026
Details

1New vehicle rates. Used vehicle rates are 1.00% higher.

Rate History
1 change since Sep 18, 2026 · 4.83% → 5.05% ▲ 0.22 pts · high 5.05% / low 4.83%
4.33%4.94%5.55%Sep 18, 2026: 4.83% APROct 1, 2026: 5.05% APRSep 18, 2026Oct 13, 2026
  • Oct 1, 20265.05%▲ from 4.83%
  • Sep 18, 20264.83%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
420 NE 10th St, Oklahoma City, OK, 73104
Vehicle Loans 67 thru 78 months
5.20%
78 months
View
▼
APR5.20%
Term78 months
Last UpdatedOct 12, 2026
Details

As Low As; APR range 5.20% - 18%

Rate History
No change since Oct 8, 2026 · 5.20% APR · checked 2 times
4.70%5.20%5.70%Oct 8, 2026: 5.20% APROct 8, 2026Oct 13, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK, 73127 7229
Cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks Loan
5.24%
37-60 Months
View
▼
APR5.24%
Term37-60 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.24% - 12.99%. 2023 & Newer Models

Rate History
No change since Oct 9, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK, 73105
Auto Loan
5.24%
84 months
View
▼
APR5.24%
Term84 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 30, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 30, 2026: 5.24% APRSep 30, 2026Oct 13, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK, 74107
Automobiles
5.24%
up to 72 months
View
▼
APR5.24%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: 15,001 to 29,999; Rates effective 1/1/2026

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2325 E I 44 Service Rd, Oklahoma City, OK, 73111 8219
Autos
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 14, 2026: 4.75% APRSep 18, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.25%▲ from 4.75%
  • Sep 14, 20264.75%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 11.25% APR

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 7 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK, 73118 5912
Auto Loan
5.28%
4 year
View
▼
APR5.28%
Term4 year
Last UpdatedOct 10, 2026
Details

1New vehicle rates. Used vehicle rates are 1.00% higher.

Rate History
1 change since Sep 14, 2026 · 4.98% → 5.28% ▲ 0.30 pts · high 5.28% / low 4.98%
4.48%5.13%5.78%Sep 14, 2026: 4.98% APROct 1, 2026: 5.28% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20265.28%▲ from 4.98%
  • Sep 14, 20264.98%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
5.39%
Up to 36 Months
View
▼
APR5.39%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $0 - $6,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
5.39%
Up to 48 Months
View
▼
APR5.39%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $7,000 - $11,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
5.39%
Up to 60 Months
View
▼
APR5.39%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $12,000 - $14,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
5.39%
Up to 72 Months
View
▼
APR5.39%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $15,000 - $19,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
5.39%
Up to 36 Months
View
▼
APR5.39%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $0 - $6,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
5.39%
Up to 48 Months
View
▼
APR5.39%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $7,000 - $11,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
5.39%
Up to 60 Months
View
▼
APR5.39%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $12,000 - $14,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
5.39%
Up to 72 Months
View
▼
APR5.39%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $15,000 - 19,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
3283 Sheridan Road, Fort Sill, OK, 73503
Auto Loans - Used Vehicles (2021-2023)
5.39%
(up to) 84 months
View
▼
APR5.39%
Term(up to) 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 5.39% APR
4.89%5.39%5.89%Oct 13, 2026: 5.39% APROct 13, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
2701 S Harvey Ave, Oklahoma City, OK, 73109
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK, 74464 5237
New Vehicles (2026) Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedOct 9, 2026
Details

As Low As; Loan Application: Apply Online

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK, 73127 7229
Cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks Loan
5.49%
61-72 Months
View
▼
APR5.49%
Term61-72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.49% - 13.99%. 2023 & Newer Models

Rate History
No change since Oct 9, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK, 73118 5912
Auto Loan
5.49%
5 year
View
▼
APR5.49%
Term5 year
Last UpdatedOct 10, 2026
Details

1New vehicle rates. Used vehicle rates are 1.00% higher.

Rate History
1 change since Sep 14, 2026 · 5.17% → 5.49% ▲ 0.32 pts · high 5.49% / low 5.17%
4.67%5.33%5.99%Sep 14, 2026: 5.17% APROct 1, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20265.49%▲ from 5.17%
  • Sep 14, 20265.17%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
New & Used Autos
5.49%
Up to 72 months (2025+)
View
▼
APR5.49%
TermUp to 72 months (2025+)
Last UpdatedOct 12, 2026
Details

Term: Up to 72 months (2025+); up to 60 months (2022-2024); up to 48 months (2021 and older); Term: 2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up to 48 months

Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
2 W Macarthur St, Shawnee, OK, 74804 2026
New Vehicle (Current & Previous Year) Loan
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; 100% Purchase price or NADA retail value, plus tag, title, and tax

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Vehicles - New Auto
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedOct 13, 2026
Details

Processing Fee (for funded loans): $97.00

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
Up to 36 months
View
▼
APR5.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
37 - 66 months
View
▼
APR5.49%
Term37 - 66 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
67 - 72 months
View
▼
APR5.49%
Term67 - 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
73 - 84 months
View
▼
APR5.49%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
Up to 24 months
View
▼
APR5.49%
TermUp to 24 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2017 - 2018

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
5.49%
73 - 84 months
View
▼
APR5.49%
Interest Rate5.49%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details

Model Year: 2019 - 2022; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
1 change since Sep 14, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.74% APROct 13, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20265.49%▼ from 5.74%
  • Sep 14, 20265.74%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 11.50% APR

Rate History
No change since Sep 17, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 17, 2026: 5.50% APRSep 17, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 11.50% APR

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 7 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK, 74464 5237
Used Vehicles (2022-2026) Loan
5.54%
66 months
View
▼
APR5.54%
Term66 months
Last UpdatedOct 9, 2026
Details

As Low As; Loan Application: Apply Online

Rate History
No change since Sep 18, 2026 · 5.54% APR · checked 7 times
5.04%5.54%6.04%Sep 18, 2026: 5.54% APRSep 18, 2026Oct 13, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK, 74129 1400
Auto Loan
5.54%
36 months
View
▼
APR5.54%
Interest Rate5.54%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.54% APR · checked 4 times
5.04%5.54%6.04%Sep 18, 2026: 5.54% APRSep 18, 2026Oct 13, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK, 74129 1400
Auto Loan
5.54%
48 months
View
▼
APR5.54%
Interest Rate5.54%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.54% APR · checked 4 times
5.04%5.54%6.04%Sep 18, 2026: 5.54% APRSep 18, 2026Oct 13, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK, 74129 1400
Auto Loan
5.54%
60 months
View
▼
APR5.54%
Interest Rate5.54%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.54% APR · checked 4 times
5.04%5.54%6.04%Sep 18, 2026: 5.54% APRSep 18, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Vehicles - New Auto
5.59%
60 Months
View
▼
APR5.59%
Term60 Months
Last UpdatedOct 13, 2026
Details

Processing Fee (for funded loans): $97.00

Rate History
No change since Oct 13, 2026 · 5.59% APR
5.09%5.59%6.09%Oct 13, 2026: 5.59% APROct 13, 2026Oct 13, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK, 74129 1400
Auto Loan
5.59%
72 months
View
▼
APR5.59%
Interest Rate5.59%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.59% APR · checked 4 times
5.09%5.59%6.09%Sep 18, 2026: 5.59% APRSep 18, 2026Oct 13, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK, 74129 1400
Auto Loan
5.59%
78 months
View
▼
APR5.59%
Interest Rate5.59%
Term78 months
Last UpdatedOct 13, 2026
Details

As Low As; Minimum Loan Amount: $12,000

Rate History
No change since Sep 18, 2026 · 5.59% APR · checked 4 times
5.09%5.59%6.09%Sep 18, 2026: 5.59% APRSep 18, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2025
5.60%
up to 60 months
View
▼
APR5.60%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025

Rate History
1 change since Sep 14, 2026 · 5.10% → 5.60% ▲ 0.50 pts · high 5.60% / low 5.10%
4.60%5.35%6.10%Sep 14, 2026: 5.10% APROct 4, 2026: 5.60% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20265.60%▲ from 5.10%
  • Sep 14, 20265.10%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - NEW! 2026
5.60%
up to 60 months
View
▼
APR5.60%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: NEW! 2026

Rate History
No change since Oct 12, 2026 · 5.60% APR
5.10%5.60%6.10%Oct 12, 2026: 5.60% APROct 12, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
2701 S Harvey Ave, Oklahoma City, OK, 73109
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
420 NE 10th St, Oklahoma City, OK, 73104
Vehicle Loans 79 thru 90 months
5.70%
90 months
View
▼
APR5.70%
Term90 months
Last UpdatedOct 12, 2026
Details

As Low As; APR range 5.70% - 18%

Rate History
No change since Oct 8, 2026 · 5.70% APR · checked 2 times
5.20%5.70%6.20%Oct 8, 2026: 5.70% APROct 8, 2026Oct 13, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK, 74464 5237
New Vehicles (2026) Loan
5.74%
78 months
View
▼
APR5.74%
Term78 months
Last UpdatedOct 9, 2026
Details

As Low As; Loan Application: Apply Online

Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 7 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK, 73127 7229
Cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks Loan
5.74%
73-84 Months
View
▼
APR5.74%
Term73-84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.74% - 15.99%. 2023 & Newer Models

Rate History
No change since Oct 9, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Oct 9, 2026: 5.74% APROct 9, 2026Oct 13, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
2612 SE Washington Blvd, Bartlesville, OK, 74006
Autos 2022-New
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedOct 12, 2026
Details

Model Year: 2022-New; As Low As; Auto loan payment example: $20,000 at 5.74% for 60 months=$384.24 per month

Rate History
No change since Oct 12, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Oct 13, 2026
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2325 E I 44 Service Rd, Oklahoma City, OK, 73111 8219
Autos
5.75%
60 months +
View
▼
APR5.75%
Term60 months +
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.25%
4.75%5.50%6.25%Sep 14, 2026: 5.25% APRSep 18, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.75%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★ Texas Ratio: 12.92%
1111 S Muskogee Ave, Tahlequah, OK, 74464
New Auto
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedOct 12, 2026
Details

2024-2025

Rate History
No change since Oct 8, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Oct 8, 2026: 5.75% APROct 8, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
Auto Loan - 60 Months
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Annual Percentage Rate (APR) as low as; Vehicle Loans - Auto Loans; Rates subject to change; Please call for quote

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK, 74464 5237
Used Vehicles (2019-2021) Loan
5.79%
66 months
View
▼
APR5.79%
Term66 months
Last UpdatedOct 9, 2026
Details

As Low As; Loan Application: Apply Online

Rate History
No change since Sep 18, 2026 · 5.79% APR · checked 7 times
5.29%5.79%6.29%Sep 18, 2026: 5.79% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Business Vehicle Loan
5.79%
37-60 months
View
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Business Vehicle Loan
5.79%
61-72 months
View
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2025
5.80%
up to 72 months
View
▼
APR5.80%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

Term: up to 72 months ($20k+); As Low As; Model Year: 2025

Rate History
1 change since Sep 14, 2026 · 5.30% → 5.80% ▲ 0.50 pts · high 5.80% / low 5.30%
4.80%5.55%6.30%Sep 14, 2026: 5.30% APROct 4, 2026: 5.80% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20265.80%▲ from 5.30%
  • Sep 14, 20265.30%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - NEW! 2026
5.80%
up to 72 months
View
▼
APR5.80%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

Term: up to 72 months ($20k+); As Low As; Model Year: NEW! 2026

Rate History
No change since Oct 12, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 12, 2026: 5.80% APROct 12, 2026Oct 13, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK, 74129 1400
Auto Loan
5.84%
84 months
View
▼
APR5.84%
Interest Rate5.84%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Minimum Loan Amount: $20,000

Rate History
No change since Sep 14, 2026 · 5.84% APR · checked 5 times
5.34%5.84%6.34%Sep 14, 2026: 5.84% APRSep 14, 2026Oct 13, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2721 N Main St, Altus, OK, 73521
Auto Loan - New Vehicles
5.89%
Up to 84 months
View
▼
APR5.89%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.89% to 15.59%. Rates determined by credit score; Limits based on income and ability to pay if qualified

Rate History
No change since Oct 13, 2026 · 5.89% APR
5.39%5.89%6.39%Oct 13, 2026: 5.89% APROct 13, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles - 2021-2025 Loan
5.89%
60 Months
View
▼
APR5.89%
Term60 Months
Last UpdatedOct 13, 2026
Details

Model Year: 2021-2025; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 5.89% APR · checked 9 times
5.39%5.89%6.39%Sep 14, 2026: 5.89% APRSep 14, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2025
5.95%
up to 84 months
View
▼
APR5.95%
Termup to 84 months
Last UpdatedOct 12, 2026
Details

Term: up to 84 months ($40k+); As Low As; Model Year: 2025

Rate History
1 change since Sep 14, 2026 · 5.45% → 5.95% ▲ 0.50 pts · high 5.95% / low 5.45%
4.95%5.70%6.45%Sep 14, 2026: 5.45% APROct 4, 2026: 5.95% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20265.95%▲ from 5.45%
  • Sep 14, 20265.45%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - NEW! 2026
5.95%
up to 84 months
View
▼
APR5.95%
Termup to 84 months
Last UpdatedOct 12, 2026
Details

Term: up to 84 months ($40k+); As Low As; Model Year: NEW! 2026

Rate History
No change since Oct 12, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 12, 2026: 5.95% APROct 12, 2026Oct 13, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK, 74820
Auto Loans
5.99%
66 Months Fixed Rate
View
▼
APR5.99%
Term66 Months Fixed Rate
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74%
5.24%5.87%6.49%Sep 18, 2026: 5.74% APRSep 27, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.99%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK, 73127 7229
Cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.99% - 16.49%. 2019 - 2022 Models

Rate History
No change since Oct 9, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK, 73127 7229
Cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks Loan
5.99%
0-48 Months
View
▼
APR5.99%
Term0-48 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.99% - 14.49%.

Rate History
No change since Oct 9, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
5.99%
61-72 months
View
▼
APR5.99%
Term61-72 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles Loan
5.99%
0-72 months
View
▼
APR5.99%
Term0-72 months
Last UpdatedOct 10, 2026
Details

Used vehicles: model years 2023-2027; Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles: model years 2023-2027 Loan
5.99%
0-72 months
View
▼
APR5.99%
Term0-72 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Auto Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Vehicle Loan
5.99%
73-84 months
View
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2721 N Main St, Altus, OK, 73521
Auto Loan - Used Vehicles
5.99%
Up to 72 months
View
▼
APR5.99%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.99% to 16.19%. Rates determined by credit score; Limits based on income and ability to pay if qualified

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Vehicles - New Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedOct 13, 2026
Details

Processing Fee (for funded loans): $97.00

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 12.00% APR

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 7 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles - 2021-2025 Loan
6.09%
72 Months
View
▼
APR6.09%
Term72 Months
Last UpdatedOct 13, 2026
Details

Model Year: 2021-2025; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 6.09% APR · checked 9 times
5.59%6.09%6.59%Sep 14, 2026: 6.09% APRSep 14, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2022
6.15%
up to 60 months
View
▼
APR6.15%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2022

Rate History
1 change since Sep 14, 2026 · 5.65% → 6.15% ▲ 0.50 pts · high 6.15% / low 5.65%
5.15%5.90%6.65%Sep 14, 2026: 5.65% APROct 4, 2026: 6.15% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20266.15%▲ from 5.65%
  • Sep 14, 20265.65%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2023
6.15%
up to 60 months
View
▼
APR6.15%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2023

Rate History
1 change since Sep 14, 2026 · 5.65% → 6.15% ▲ 0.50 pts · high 6.15% / low 5.65%
5.15%5.90%6.65%Sep 14, 2026: 5.65% APROct 4, 2026: 6.15% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20266.15%▲ from 5.65%
  • Sep 14, 20265.65%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2024
6.15%
up to 60 months
View
▼
APR6.15%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024

Rate History
1 change since Sep 14, 2026 · 5.65% → 6.15% ▲ 0.50 pts · high 6.15% / low 5.65%
5.15%5.90%6.65%Sep 14, 2026: 5.65% APROct 4, 2026: 6.15% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20266.15%▲ from 5.65%
  • Sep 14, 20265.65%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
215 W Boyd St, Norman, OK, 73069
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
215 W Boyd St, Norman, OK, 73069
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK, 73127 7229
Cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks Loan
6.24%
85-96 Months
View
▼
APR6.24%
Term85-96 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 6.24% - 8.99%. 2023 & Newer Models

Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 3 times
5.74%6.24%6.74%Oct 9, 2026: 6.24% APROct 9, 2026Oct 13, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK, 73127 7229
Cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks Loan
6.24%
49-60 Months
View
▼
APR6.24%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 6.24% - 15.49%.

Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 3 times
5.74%6.24%6.74%Oct 9, 2026: 6.24% APROct 9, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.24%
37 - 66 months
View
▼
APR6.24%
Term37 - 66 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2021 - 2023

Rate History
No change since Oct 13, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 13, 2026: 6.24% APROct 13, 2026Oct 13, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
6.24%
up to 36 months
View
▼
APR6.24%
Interest Rate6.24%
Termup to 36 months
Last UpdatedOct 13, 2026
Details

Model Year: 2016 - 2018; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 4 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK, 73118 5912
Auto Loan
6.25%
6 year
View
▼
APR6.25%
Term6 year
Last UpdatedOct 10, 2026
Details

1New vehicle rates. Used vehicle rates are 1.00% higher.

Rate History
1 change since Sep 18, 2026 · 5.91% → 6.25% ▲ 0.34 pts · high 6.25% / low 5.91%
5.41%6.08%6.75%Sep 18, 2026: 5.91% APROct 1, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
  • Oct 1, 20266.25%▲ from 5.91%
  • Sep 18, 20265.91%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
215 W Boyd St, Norman, OK, 73069
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
215 W Boyd St, Norman, OK, 73069
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Business Vehicle Loan
6.29%
37-60 months
View
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
New Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 15, 2026: 6.34% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
Used Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

2016 - 2026

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 6 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
New Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 15, 2026: 6.39% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
Used Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

2018 - 2026

Rate History
No change since Sep 18, 2026 · 6.39% APR · checked 6 times
5.89%6.39%6.89%Sep 18, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
6.39%
Up to 84 Months
View
▼
APR6.39%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $20,000.00 and above - 1% added to rate if over 50,000 miles

Rate History
No change since Sep 16, 2026 · 6.39% APR · checked 3 times
5.89%6.39%6.89%Sep 16, 2026: 6.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
6.39%
Up to 84 Months
View
▼
APR6.39%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $20,000.00 and above - 1% added to rate if over 50,000 miles

Rate History
No change since Sep 16, 2026 · 6.39% APR · checked 3 times
5.89%6.39%6.89%Sep 16, 2026: 6.39% APRSep 16, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
New Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.44% APR · checked 7 times
5.94%6.44%6.94%Sep 15, 2026: 6.44% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
Used Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

2022 - 2026

Rate History
No change since Sep 18, 2026 · 6.44% APR · checked 6 times
5.94%6.44%6.94%Sep 18, 2026: 6.44% APRSep 18, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2022
6.45%
up to 72 months
View
▼
APR6.45%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

Term: up to 72 months ($20k+); As Low As; Model Year: 2022

Rate History
1 change since Sep 14, 2026 · 5.95% → 6.45% ▲ 0.50 pts · high 6.45% / low 5.95%
5.45%6.20%6.95%Sep 14, 2026: 5.95% APROct 4, 2026: 6.45% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20266.45%▲ from 5.95%
  • Sep 14, 20265.95%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2023
6.45%
up to 72 months
View
▼
APR6.45%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

Term: up to 72 months ($20k+); As Low As; Model Year: 2023

Rate History
1 change since Sep 14, 2026 · 5.95% → 6.45% ▲ 0.50 pts · high 6.45% / low 5.95%
5.45%6.20%6.95%Sep 14, 2026: 5.95% APROct 4, 2026: 6.45% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20266.45%▲ from 5.95%
  • Sep 14, 20265.95%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2024
6.45%
up to 72 months
View
▼
APR6.45%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

Term: up to 72 months ($20k+); As Low As; Model Year: 2024

Rate History
1 change since Sep 14, 2026 · 5.95% → 6.45% ▲ 0.50 pts · high 6.45% / low 5.95%
5.45%6.20%6.95%Sep 14, 2026: 5.95% APROct 4, 2026: 6.45% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20266.45%▲ from 5.95%
  • Sep 14, 20265.95%first recorded
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
6.45%
48 Months
View
▼
APR6.45%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
No change since Sep 14, 2026 · 6.45% APR · checked 8 times
5.95%6.45%6.95%Sep 14, 2026: 6.45% APRSep 14, 2026Oct 13, 2026
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans - 2023 - 2025
6.49%
0 to 60 months
View
▼
APR6.49%
Term0 to 60 months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2023 - 2025

Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 3 times
5.99%6.49%6.99%Oct 9, 2026: 6.49% APROct 9, 2026Oct 13, 2026
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
2 W Macarthur St, Shawnee, OK, 74804 2026
Used Vehicle (2 to 7 Years Old) Loan
6.49%
72 months
View
▼
APR6.49%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; 100% NADA retail value, plus tag, title, and tax

Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 12, 2026: 6.49% APRSep 12, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.49%
67 - 72 months
View
▼
APR6.49%
Term67 - 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2021 - 2023

Rate History
No change since Oct 13, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 13, 2026: 6.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.49%
37 - 48 months
View
▼
APR6.49%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2019 - 2020

Rate History
No change since Oct 13, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 13, 2026: 6.49% APROct 13, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
6.50%
84 months
View
▼
APR6.50%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 12.50% APR

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 7 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
New Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
6.04%6.54%7.04%Sep 15, 2026: 6.54% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
Used Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

2023 - 2026

Rate History
No change since Sep 18, 2026 · 6.54% APR · checked 6 times
6.04%6.54%7.04%Sep 18, 2026: 6.54% APRSep 18, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
6.70%
60 Months
View
▼
APR6.70%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
No change since Sep 14, 2026 · 6.70% APR · checked 8 times
6.20%6.70%7.20%Sep 14, 2026: 6.70% APRSep 14, 2026Oct 13, 2026
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans - 2020 - 2022
6.74%
0 to 60 months
View
▼
APR6.74%
Term0 to 60 months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2020 - 2022

Rate History
No change since Oct 9, 2026 · 6.74% APR · checked 3 times
6.24%6.74%7.24%Oct 9, 2026: 6.74% APROct 9, 2026Oct 13, 2026
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans - 2023 - 2025
6.74%
73 to 84 months
View
▼
APR6.74%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2023 - 2025

Rate History
No change since Oct 9, 2026 · 6.74% APR · checked 3 times
6.24%6.74%7.24%Oct 9, 2026: 6.74% APROct 9, 2026Oct 13, 2026
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans - 2023 - 2025
6.74%
61 to 72 months
View
▼
APR6.74%
Term61 to 72 months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2023 - 2025

Rate History
No change since Oct 9, 2026 · 6.74% APR · checked 3 times
6.24%6.74%7.24%Oct 9, 2026: 6.74% APROct 9, 2026Oct 13, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK, 74107
Automobiles
6.74%
up to 48 months
View
▼
APR6.74%
Termup to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: 0 to 15,000.00; Rates effective 1/1/2026

Rate History
No change since Sep 18, 2026 · 6.74% APR · checked 5 times
6.24%6.74%7.24%Sep 18, 2026: 6.74% APRSep 18, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.74%
49 - 60 months
View
▼
APR6.74%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2019 - 2020

Rate History
No change since Oct 13, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 13, 2026: 6.74% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.74%
25 - 36 months
View
▼
APR6.74%
Term25 - 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2017 - 2018

Rate History
No change since Oct 13, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 13, 2026: 6.74% APROct 13, 2026Oct 13, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406
Auto Loans
6.74%
37 - 48 months
View
▼
APR6.74%
Interest Rate6.74%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

Model Year: 2016 - 2018; Effective Date: 9-1-26; APR = Annual Percentage Rate

Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 4 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
Auto Loan - 72 Months
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Annual Percentage Rate (APR) as low as; Vehicle Loans - Auto Loans; Rates subject to change; Please call for quote

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 13, 2026: 6.75% APROct 13, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles - 2018-2020 Loan
6.79%
48 Months
View
▼
APR6.79%
Term48 Months
Last UpdatedOct 13, 2026
Details

Model Year: 2018-2020; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 6.79% APR · checked 9 times
6.29%6.79%7.29%Sep 14, 2026: 6.79% APRSep 14, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2021
6.80%
up to 48 months
View
▼
APR6.80%
Termup to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021

Rate History
1 change since Sep 14, 2026 · 6.30% → 6.80% ▲ 0.50 pts · high 6.80% / low 6.30%
5.80%6.55%7.30%Sep 14, 2026: 6.30% APROct 4, 2026: 6.80% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20266.80%▲ from 6.30%
  • Sep 14, 20266.30%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK, 73118 5912
Auto Loan
6.85%
7 year
View
▼
APR6.85%
Term7 year
Last UpdatedOct 10, 2026
Details

1New vehicle rates. Used vehicle rates are 1.00% higher.

Rate History
1 change since Sep 18, 2026 · 6.50% → 6.85% ▲ 0.35 pts · high 6.85% / low 6.50%
6.00%6.68%7.35%Sep 18, 2026: 6.50% APROct 1, 2026: 6.85% APRSep 18, 2026Oct 13, 2026
  • Oct 1, 20266.85%▲ from 6.50%
  • Sep 18, 20266.50%first recorded
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 8 times
6.45%6.95%7.45%Sep 14, 2026: 6.95% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Auto Loan
6.98%
73-84 Months
View
▼
APR6.98%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Vehicle Loan
6.98%
73-84 months
View
▼
APR6.98%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans - 2018 - 2019
6.99%
0 to 60 months
View
▼
APR6.99%
Term0 to 60 months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2018 - 2019

Rate History
No change since Oct 9, 2026 · 6.99% APR · checked 3 times
6.49%6.99%7.49%Oct 9, 2026: 6.99% APROct 9, 2026Oct 13, 2026
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans - 2020 - 2022
6.99%
73 to 84 months
View
▼
APR6.99%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2020 - 2022

Rate History
No change since Oct 9, 2026 · 6.99% APR · checked 3 times
6.49%6.99%7.49%Oct 9, 2026: 6.99% APROct 9, 2026Oct 13, 2026
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans - 2020 - 2022
6.99%
61 to 72 months
View
▼
APR6.99%
Term61 to 72 months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2020 - 2022

Rate History
No change since Oct 9, 2026 · 6.99% APR · checked 3 times
6.49%6.99%7.49%Oct 9, 2026: 6.99% APROct 9, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
6.99%
73-84 months
View
▼
APR6.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles Loan
6.99%
0-60 months
View
▼
APR6.99%
Term0-60 months
Last UpdatedOct 10, 2026
Details

Used vehicles: model years 2019-2022; Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles: model years 2019-2022 Loan
6.99%
0-60 months
View
▼
APR6.99%
Term0-60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 18, 2026: 6.99% APRSep 18, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.99%
73 - 84 months
View
▼
APR6.99%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2021 - 2023

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.99%
37 - 48 months
View
▼
APR6.99%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2017 - 2018

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.99%
25 - 36 months
View
▼
APR6.99%
Term25 - 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2010 - 2016, by approval

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan - Other vehicles 9 to 12 years old
7.00%
Up to 60 months
View
▼
APR7.00%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate as high as: 12.75% APR

Rate History
No change since Oct 13, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 13, 2026: 7.00% APROct 13, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - 2021
7.05%
up to 60 months
View
▼
APR7.05%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

Term: up to 60 months ($20k+); As Low As; Model Year: 2021

Rate History
1 change since Sep 14, 2026 · 6.55% → 7.05% ▲ 0.50 pts · high 7.05% / low 6.55%
6.05%6.80%7.55%Sep 14, 2026: 6.55% APROct 4, 2026: 7.05% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20267.05%▲ from 6.55%
  • Sep 14, 20266.55%first recorded
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
3283 Sheridan Road, Fort Sill, OK, 73503
Auto Loans - Used Vehicles (2017-2020)
7.09%
(up to) 75 months
View
▼
APR7.09%
Term(up to) 75 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 7.09% APR
6.59%7.09%7.59%Oct 13, 2026: 7.09% APROct 13, 2026Oct 13, 2026

Oklahoma New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
2.99%
0-36 months
View
▼
APR2.99%
Term0-36 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 7 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
12411 E 96th St N, Owasso, OK, 74055
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
4200 W Memorial Rd, Oklahoma City, OK, 73120
New Vehicles Loan
3.49%
3 Years
View
▼
APR3.49%
Term3 Years
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025-2026

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
New & Used Autos
3.74%
Up to 36 months
View
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As low as; *

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
3.75%
24 months
View
▼
APR3.75%
Term24 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 9.75% APR

Rate History
No change since Sep 17, 2026 · 3.75% APR · checked 8 times
3.25%3.75%4.25%Sep 17, 2026: 3.75% APRSep 17, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
3.99%
37-48 months
View
▼
APR3.99%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 10.00% APR

Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APRSep 17, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
12411 E 96th St N, Owasso, OK, 74055
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 10.25% APR

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 10.50% APR

Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
4.54%
60 Months
View
▼
APR4.54%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 8 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
9200 E 41st St, Tulsa, OK, 74145
New/Used Auto
4.74%
84 months
View
▼
APR4.74%
Term84 months
Last UpdatedOct 9, 2026
Details

As Low As; 84 month term limited to a loan balance greater than $20,000.00.

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 8 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - NEW! 2026
4.90%
up to 48 months
View
▼
APR4.90%
Termup to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: NEW! 2026

Rate History
No change since Oct 12, 2026 · 4.90% APR
4.40%4.90%5.40%Oct 12, 2026: 4.90% APROct 12, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
4.99%
49-60 months
View
▼
APR4.99%
Term49-60 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 11.00% APR

Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 17, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Depending on collateral value and borrower credit history

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 9 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
5.04%
84 Months
View
▼
APR5.04%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 8 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
5.39%
Up to 36 Months
View
▼
APR5.39%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $0 - $6,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
5.39%
Up to 48 Months
View
▼
APR5.39%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $7,000 - $11,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
5.39%
Up to 60 Months
View
▼
APR5.39%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $12,000 - $14,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
5.39%
Up to 72 Months
View
▼
APR5.39%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $15,000 - $19,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
2701 S Harvey Ave, Oklahoma City, OK, 73109
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK, 74464 5237
New Vehicles (2026) Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedOct 9, 2026
Details

As Low As; Loan Application: Apply Online

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
New & Used Autos
5.49%
Up to 72 months (2025+)
View
▼
APR5.49%
TermUp to 72 months (2025+)
Last UpdatedOct 12, 2026
Details

Term: Up to 72 months (2025+); up to 60 months (2022-2024); up to 48 months (2021 and older); Term: 2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up to 48 months

Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
2 W Macarthur St, Shawnee, OK, 74804 2026
New Vehicle (Current & Previous Year) Loan
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; 100% Purchase price or NADA retail value, plus tag, title, and tax

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Vehicles - New Auto
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedOct 13, 2026
Details

Processing Fee (for funded loans): $97.00

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
Up to 36 months
View
▼
APR5.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
37 - 66 months
View
▼
APR5.49%
Term37 - 66 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
67 - 72 months
View
▼
APR5.49%
Term67 - 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
73 - 84 months
View
▼
APR5.49%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
Up to 24 months
View
▼
APR5.49%
TermUp to 24 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2017 - 2018

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
New Automobile Loans
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; New car (3 years old or newer); Rate as high as: 11.50% APR

Rate History
No change since Sep 17, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 17, 2026: 5.50% APRSep 17, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Vehicles - New Auto
5.59%
60 Months
View
▼
APR5.59%
Term60 Months
Last UpdatedOct 13, 2026
Details

Processing Fee (for funded loans): $97.00

Rate History
No change since Oct 13, 2026 · 5.59% APR
5.09%5.59%6.09%Oct 13, 2026: 5.59% APROct 13, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - NEW! 2026
5.60%
up to 60 months
View
▼
APR5.60%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: NEW! 2026

Rate History
No change since Oct 12, 2026 · 5.60% APR
5.10%5.60%6.10%Oct 12, 2026: 5.60% APROct 12, 2026Oct 13, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK, 74464 5237
New Vehicles (2026) Loan
5.74%
78 months
View
▼
APR5.74%
Term78 months
Last UpdatedOct 9, 2026
Details

As Low As; Loan Application: Apply Online

Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 7 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
2612 SE Washington Blvd, Bartlesville, OK, 74006
Autos 2022-New
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedOct 12, 2026
Details

Model Year: 2022-New; As Low As; Auto loan payment example: $20,000 at 5.74% for 60 months=$384.24 per month

Rate History
No change since Oct 12, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Oct 13, 2026
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★ Texas Ratio: 12.92%
1111 S Muskogee Ave, Tahlequah, OK, 74464
New Auto
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedOct 12, 2026
Details

2024-2025

Rate History
No change since Oct 8, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Oct 8, 2026: 5.75% APROct 8, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Business Vehicle Loan
5.79%
37-60 months
View
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Business Vehicle Loan
5.79%
61-72 months
View
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - NEW! 2026
5.80%
up to 72 months
View
▼
APR5.80%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

Term: up to 72 months ($20k+); As Low As; Model Year: NEW! 2026

Rate History
No change since Oct 12, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 12, 2026: 5.80% APROct 12, 2026Oct 13, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2721 N Main St, Altus, OK, 73521
Auto Loan - New Vehicles
5.89%
Up to 84 months
View
▼
APR5.89%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.89% to 15.59%. Rates determined by credit score; Limits based on income and ability to pay if qualified

Rate History
No change since Oct 13, 2026 · 5.89% APR
5.39%5.89%6.39%Oct 13, 2026: 5.89% APROct 13, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2018 S Washington, Idabel, OK, 74745
Auto Loan - NEW! 2026
5.95%
up to 84 months
View
▼
APR5.95%
Termup to 84 months
Last UpdatedOct 12, 2026
Details

Term: up to 84 months ($40k+); As Low As; Model Year: NEW! 2026

Rate History
No change since Oct 12, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 12, 2026: 5.95% APROct 12, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
5.99%
61-72 months
View
▼
APR5.99%
Term61-72 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Auto Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
New Vehicle Loan
5.99%
73-84 months
View
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Vehicles - New Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedOct 13, 2026
Details

Processing Fee (for funded loans): $97.00

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
215 W Boyd St, Norman, OK, 73069
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
215 W Boyd St, Norman, OK, 73069
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.24%
37 - 66 months
View
▼
APR6.24%
Term37 - 66 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2021 - 2023

Rate History
No change since Oct 13, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 13, 2026: 6.24% APROct 13, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
New Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 15, 2026: 6.34% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
New Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 15, 2026: 6.39% APRSep 15, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
6.39%
Up to 84 Months
View
▼
APR6.39%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $20,000.00 and above - 1% added to rate if over 50,000 miles

Rate History
No change since Sep 16, 2026 · 6.39% APR · checked 3 times
5.89%6.39%6.89%Sep 16, 2026: 6.39% APRSep 16, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
New Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.44% APR · checked 7 times
5.94%6.44%6.94%Sep 15, 2026: 6.44% APRSep 15, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
6.45%
48 Months
View
▼
APR6.45%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
No change since Sep 14, 2026 · 6.45% APR · checked 8 times
5.95%6.45%6.95%Sep 14, 2026: 6.45% APRSep 14, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.49%
67 - 72 months
View
▼
APR6.49%
Term67 - 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2021 - 2023

Rate History
No change since Oct 13, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 13, 2026: 6.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.49%
37 - 48 months
View
▼
APR6.49%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2019 - 2020

Rate History
No change since Oct 13, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 13, 2026: 6.49% APROct 13, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
New Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
6.04%6.54%7.04%Sep 15, 2026: 6.54% APRSep 15, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
6.70%
60 Months
View
▼
APR6.70%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
No change since Sep 14, 2026 · 6.70% APR · checked 8 times
6.20%6.70%7.20%Sep 14, 2026: 6.70% APRSep 14, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.74%
49 - 60 months
View
▼
APR6.74%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2019 - 2020

Rate History
No change since Oct 13, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 13, 2026: 6.74% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.74%
25 - 36 months
View
▼
APR6.74%
Term25 - 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2017 - 2018

Rate History
No change since Oct 13, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 13, 2026: 6.74% APROct 13, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 13, 2026: 6.75% APROct 13, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 8 times
6.45%6.95%7.45%Sep 14, 2026: 6.95% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
6.99%
73-84 months
View
▼
APR6.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.99%
73 - 84 months
View
▼
APR6.99%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2021 - 2023

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.99%
37 - 48 months
View
▼
APR6.99%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2017 - 2018

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.99%
25 - 36 months
View
▼
APR6.99%
Term25 - 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2010 - 2016, by approval

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026

Oklahoma Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
New & Used Autos
3.74%
Up to 36 months
View
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As low as; *

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
4200 W Memorial Rd, Oklahoma City, OK, 73120
Used Vehicles - 2024 and Older Loan
4.24%
Up To 6 Years
View
▼
APR4.24%
TermUp To 6 Years
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2024 and Older; Low As Rate is based on a 5 year term; Terms may be based on credit score, model year and mileage

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.24% ▼ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.49% APROct 9, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.24%▼ from 4.49%
  • Sep 14, 20264.49%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
4.54%
60 Months
View
▼
APR4.54%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 8 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
4.59%
Up to 60 months
View
▼
APR4.59%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 7 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 13, 2026
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
9200 E 41st St, Tulsa, OK, 74145
New/Used Auto
4.74%
84 months
View
▼
APR4.74%
Term84 months
Last UpdatedOct 9, 2026
Details

As Low As; 84 month term limited to a loan balance greater than $20,000.00.

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
4.75%
24 months
View
▼
APR4.75%
Term24 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 10.75% APR

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 7 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 8 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 11.00% APR

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 7 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
Used Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Depending on collateral value and borrower credit history

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 9 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
5.04%
84 Months
View
▼
APR5.04%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 8 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 11.25% APR

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 7 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
5.39%
Up to 36 Months
View
▼
APR5.39%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $0 - $6,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
5.39%
Up to 48 Months
View
▼
APR5.39%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $7,000 - $11,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
5.39%
Up to 60 Months
View
▼
APR5.39%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $12,000 - $14,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
5.39%
Up to 72 Months
View
▼
APR5.39%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $15,000 - 19,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 13, 2026
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
3283 Sheridan Road, Fort Sill, OK, 73503
Auto Loans - Used Vehicles (2021-2023)
5.39%
(up to) 84 months
View
▼
APR5.39%
Term(up to) 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 5.39% APR
4.89%5.39%5.89%Oct 13, 2026: 5.39% APROct 13, 2026Oct 13, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
New & Used Autos
5.49%
Up to 72 months (2025+)
View
▼
APR5.49%
TermUp to 72 months (2025+)
Last UpdatedOct 12, 2026
Details

Term: Up to 72 months (2025+); up to 60 months (2022-2024); up to 48 months (2021 and older); Term: 2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up to 48 months

Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
Up to 36 months
View
▼
APR5.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
37 - 66 months
View
▼
APR5.49%
Term37 - 66 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
67 - 72 months
View
▼
APR5.49%
Term67 - 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
73 - 84 months
View
▼
APR5.49%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024 - 2026

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
5.49%
Up to 24 months
View
▼
APR5.49%
TermUp to 24 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2017 - 2018

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 11.50% APR

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 7 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK, 74464 5237
Used Vehicles (2022-2026) Loan
5.54%
66 months
View
▼
APR5.54%
Term66 months
Last UpdatedOct 9, 2026
Details

As Low As; Loan Application: Apply Online

Rate History
No change since Sep 18, 2026 · 5.54% APR · checked 7 times
5.04%5.54%6.04%Sep 18, 2026: 5.54% APRSep 18, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
2701 S Harvey Ave, Oklahoma City, OK, 73109
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK, 74464 5237
Used Vehicles (2019-2021) Loan
5.79%
66 months
View
▼
APR5.79%
Term66 months
Last UpdatedOct 9, 2026
Details

As Low As; Loan Application: Apply Online

Rate History
No change since Sep 18, 2026 · 5.79% APR · checked 7 times
5.29%5.79%6.29%Sep 18, 2026: 5.79% APRSep 18, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles - 2021-2025 Loan
5.89%
60 Months
View
▼
APR5.89%
Term60 Months
Last UpdatedOct 13, 2026
Details

Model Year: 2021-2025; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 5.89% APR · checked 9 times
5.39%5.89%6.39%Sep 14, 2026: 5.89% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles Loan
5.99%
0-72 months
View
▼
APR5.99%
Term0-72 months
Last UpdatedOct 10, 2026
Details

Used vehicles: model years 2023-2027; Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles: model years 2023-2027 Loan
5.99%
0-72 months
View
▼
APR5.99%
Term0-72 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2721 N Main St, Altus, OK, 73521
Auto Loan - Used Vehicles
5.99%
Up to 72 months
View
▼
APR5.99%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.99% to 16.19%. Rates determined by credit score; Limits based on income and ability to pay if qualified

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 12.00% APR

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 7 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles - 2021-2025 Loan
6.09%
72 Months
View
▼
APR6.09%
Term72 Months
Last UpdatedOct 13, 2026
Details

Model Year: 2021-2025; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 6.09% APR · checked 9 times
5.59%6.09%6.59%Sep 14, 2026: 6.09% APRSep 14, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.24%
37 - 66 months
View
▼
APR6.24%
Term37 - 66 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2021 - 2023

Rate History
No change since Oct 13, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 13, 2026: 6.24% APROct 13, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
215 W Boyd St, Norman, OK, 73069
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
215 W Boyd St, Norman, OK, 73069
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Business Vehicle Loan
6.29%
37-60 months
View
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
Used Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

2016 - 2026

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 6 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
Used Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

2018 - 2026

Rate History
No change since Sep 18, 2026 · 6.39% APR · checked 6 times
5.89%6.39%6.89%Sep 18, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
6.39%
Up to 84 Months
View
▼
APR6.39%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Loan amount: $20,000.00 and above - 1% added to rate if over 50,000 miles

Rate History
No change since Sep 16, 2026 · 6.39% APR · checked 3 times
5.89%6.39%6.89%Sep 16, 2026: 6.39% APRSep 16, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
Used Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

2022 - 2026

Rate History
No change since Sep 18, 2026 · 6.44% APR · checked 6 times
5.94%6.44%6.94%Sep 18, 2026: 6.44% APRSep 18, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
6.45%
48 Months
View
▼
APR6.45%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
No change since Sep 14, 2026 · 6.45% APR · checked 8 times
5.95%6.45%6.95%Sep 14, 2026: 6.45% APRSep 14, 2026Oct 13, 2026
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
2 W Macarthur St, Shawnee, OK, 74804 2026
Used Vehicle (2 to 7 Years Old) Loan
6.49%
72 months
View
▼
APR6.49%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; 100% NADA retail value, plus tag, title, and tax

Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 12, 2026: 6.49% APRSep 12, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.49%
67 - 72 months
View
▼
APR6.49%
Term67 - 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2021 - 2023

Rate History
No change since Oct 13, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 13, 2026: 6.49% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.49%
37 - 48 months
View
▼
APR6.49%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2019 - 2020

Rate History
No change since Oct 13, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 13, 2026: 6.49% APROct 13, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan
6.50%
84 months
View
▼
APR6.50%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Used Car Rates (4 years old to 8 years old); Rate as high as: 12.50% APR

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 7 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
215 State St, Muskogee, OK, 74401
Used Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

2023 - 2026

Rate History
No change since Sep 18, 2026 · 6.54% APR · checked 6 times
6.04%6.54%7.04%Sep 18, 2026: 6.54% APRSep 18, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
6.70%
60 Months
View
▼
APR6.70%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
No change since Sep 14, 2026 · 6.70% APR · checked 8 times
6.20%6.70%7.20%Sep 14, 2026: 6.70% APRSep 14, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.74%
49 - 60 months
View
▼
APR6.74%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2019 - 2020

Rate History
No change since Oct 13, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 13, 2026: 6.74% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.74%
25 - 36 months
View
▼
APR6.74%
Term25 - 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2017 - 2018

Rate History
No change since Oct 13, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 13, 2026: 6.74% APROct 13, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK, 73401
New or Used Auto Loan
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting

Rate History
No change since Oct 13, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 13, 2026: 6.75% APROct 13, 2026Oct 13, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles - 2018-2020 Loan
6.79%
48 Months
View
▼
APR6.79%
Term48 Months
Last UpdatedOct 13, 2026
Details

Model Year: 2018-2020; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 6.79% APR · checked 9 times
6.29%6.79%7.29%Sep 14, 2026: 6.79% APRSep 14, 2026Oct 13, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle Loan
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 8 times
6.45%6.95%7.45%Sep 14, 2026: 6.95% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Auto Loan
6.98%
73-84 Months
View
▼
APR6.98%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK, 73505
Used Vehicle Loan
6.98%
73-84 months
View
▼
APR6.98%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles Loan
6.99%
0-60 months
View
▼
APR6.99%
Term0-60 months
Last UpdatedOct 10, 2026
Details

Used vehicles: model years 2019-2022; Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles: model years 2019-2022 Loan
6.99%
0-60 months
View
▼
APR6.99%
Term0-60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 18, 2026: 6.99% APRSep 18, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.99%
73 - 84 months
View
▼
APR6.99%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2021 - 2023

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.99%
37 - 48 months
View
▼
APR6.99%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2017 - 2018

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK, 74820
New & Used Auto Loans
6.99%
25 - 36 months
View
▼
APR6.99%
Term25 - 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2010 - 2016, by approval

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
1806 NW Liberty Ave, Lawton, OK, 73507
Used Auto Loan - Other vehicles 9 to 12 years old
7.00%
Up to 60 months
View
▼
APR7.00%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate as high as: 12.75% APR

Rate History
No change since Oct 13, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 13, 2026: 7.00% APROct 13, 2026Oct 13, 2026
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
3283 Sheridan Road, Fort Sill, OK, 73503
Auto Loans - Used Vehicles (2017-2020)
7.09%
(up to) 75 months
View
▼
APR7.09%
Term(up to) 75 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 7.09% APR
6.59%7.09%7.59%Oct 13, 2026: 7.09% APROct 13, 2026Oct 13, 2026

Oklahoma Auto Loan Rate Trends

Compare local Oklahoma auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Oklahoma Auto Trends
New Auto Loan OK Avg
5.240%
▼ 0.069 vs 7 days ago

Oklahoma new auto rates fell 0.069 points over the past 7 days to 5.240% APR.

Used Auto Loan OK Avg
5.819%
▲ 0.030 vs 7 days ago

Oklahoma used auto rates rose 0.030 points over the past 7 days to 5.819% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Oklahoma Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Oklahoma figures.

Current New Auto Avg
5.24%
APR, as of Oct 13, 2026
6-Month Forecast
5.32%
Fed hold assumed
12-Month Forecast
5.39%
Range: 5.04% to 5.59%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Oklahoma APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.24% APR
OK average		 Used Auto @ 5.82% APR
OK average		 Monthly Difference
$15,000 $284.72/mo $288.73/mo $4.01/mo
$25,000 $474.53/mo $481.22/mo $6.69/mo
$35,000 $664.34/mo $673.70/mo $9.36/mo
$45,000 $854.15/mo $866.19/mo $12.03/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Oklahoma

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Oklahoma locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Oklahoma. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Oklahoma Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$40,265
Median Individual Earnings
National avg: $47,340
4.9%
Unemployment Rate
National avg: 4.8%
15.3%
Poverty Rate
National avg: 11.1%
$569/mo
Payment on a $30K / 60-mo Loan
At OK new-auto avg 5.24% APR

A $569 monthly car payment works out to roughly 17.0% of the median individual income in Oklahoma. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Oklahoma, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Oklahoma. We’ve prefilled the APR with today’s OK new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oklahoma auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Oklahoma directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Oklahoma. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in OK.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Bad Credit Auto Loans in Oklahoma

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans
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Frequently Asked Questions about Auto Loans in Oklahoma

How does my credit score affect my car loan rate in Oklahoma?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Oklahoma with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Oklahoma *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Oklahoma typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

Should I get preapproved for an auto loan before visiting a dealer in Oklahoma?

Yes. A preapproval from a bank or credit union serving Oklahoma gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Oklahoma can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Oklahoma?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Oklahoma?

Based on our current data, some of the lowest auto loan rates available in Oklahoma include:
  • TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
  • Credit Union One Of Oklahoma Credit Union: 3.24% (Auto Loans)
  • American Airlines Federal Credit Union: 3.34% (New Auto)
  • Multi-States Credit Union: 3.49% (New Vehicles Loan)
  • OKLAHOMAS: 3.74% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

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Auto Loan Rates by City in Oklahoma

  • Achille
  • Ada
  • Adair
  • Adams
  • Addington
  • Afton
  • Agra
  • Albany
  • Albert
  • Albion
  • Alderson
  • Alex
  • Aline
  • Allen
  • Altus
  • Alva
  • Amber
  • Ames
  • Amorita
  • Anadarko
  • Antlers
  • Apache
  • Arapaho
  • Arcadia
  • Ardmore
  • Arkoma
  • Armstrong
  • Arnett
  • Asher
  • Ashland
  • Atoka
  • Atwood
  • Avant
  • Balko
  • Barnsdall
  • Bartlesville
  • Battiest
  • Bearden
  • Beaver
  • Beggs
  • Bennington
  • Bernice
  • Bessie
  • Bethany
  • Bethel
  • Bethel Acres
  • Big Cabin
  • Billings
  • Binger
  • Bison
  • Bixby
  • Blackburn
  • Blackwell
  • Blair
  • Blanchard
  • Blanco
  • Blocker
  • Bluejacket
  • Boise City
  • Bokchito
  • Bokoshe
  • Boley
  • Boswell
  • Bowlegs
  • Bowring
  • Boynton
  • Bradley
  • Braggs
  • Braman
  • Bray
  • Breckenridge
  • Bridge Creek
  • Bridgeport
  • Bristow
  • Broken Arrow
  • Broken Bow
  • Bromide
  • Brooksville
  • Buffalo
  • Bunch
  • Burbank
  • Burlington
  • Burneyville
  • Burns Flat
  • Butler
  • Byars
  • Byng
  • Byron
  • Cache
  • Caddo
  • Calera
  • Calumet
  • Calvin
  • Camargo
  • Cameron
  • Canadian
  • Caney
  • Canton
  • Canute
  • Cardin
  • Carlton Landing
  • Carmen
  • Carnegie
  • Carney
  • Carrier
  • Carter
  • Cartwright
  • Cashion
  • Castle
  • Catoosa
  • Cedar Valley
  • Cement
  • Centrahoma
  • Central High
  • Chandler
  • Chattanooga
  • Checotah
  • Chelsea
  • Cherokee
  • Chester
  • Cheyenne
  • Chickasha
  • Choctaw
  • Chouteau
  • Cimarron City
  • Claremore
  • Clarita
  • Clayton
  • Clearview
  • Cleo Springs
  • Cleveland
  • Clinton
  • Coalgate
  • Colbert
  • Colcord
  • Cole
  • Coleman
  • Collinsville
  • Colony
  • Comanche
  • Commerce
  • Concho
  • Connerville
  • Cookson
  • Cooperton
  • Copan
  • Cordell
  • Corn
  • Cornish
  • Council Hill
  • Countyline
  • Covington
  • Coweta
  • Coyle
  • Crawford
  • Crescent
  • Cromwell
  • Crowder
  • Cushing
  • Custer City
  • Cyril
  • Dacoma
  • Daisy
  • Davenport
  • Davidson
  • Davis
  • Deer Creek
  • Del City
  • Delaware
  • Depew
  • Devol
  • Dewar
  • Dewey
  • Dibble
  • Dickson
  • Dill City
  • Disney
  • Dodge
  • Dougherty
  • Douglas
  • Dover
  • Drummond
  • Drumright
  • Duke
  • Duncan
  • Durant
  • Durham
  • Dustin
  • Eagletown
  • Eakly
  • Earlsboro
  • East Duke
  • Edmond
  • El Reno
  • Eldorado
  • Elgin
  • Elk City
  • Elmer
  • Elmore City
  • Empire City
  • Enid
  • Erick
  • Etowah
  • Eucha
  • Eufaula
  • Fair Oaks
  • Fairfax
  • Fairland
  • Fairmont
  • Fairview
  • Fallis
  • Fanshawe
  • Fargo
  • Faxon
  • Fay
  • Felt
  • Finley
  • Fittstown
  • Fitzhugh
  • Fletcher
  • Foraker
  • Forest Park
  • Forgan
  • Fort Cobb
  • Fort Coffee
  • Fort Gibson
  • Fort Sill
  • Fort Supply
  • Fort Towson
  • Foss
  • Foster
  • Fox
  • Foyil
  • Francis
  • Frederick
  • Freedom
  • Friendship
  • Gage
  • Gans
  • Garber
  • Garvin
  • Gate
  • Geary
  • Gene Autry
  • Geronimo
  • Gerty
  • Glencoe
  • Glenpool
  • Golden
  • Goldsby
  • Goltry
  • Goodwell
  • Gore
  • Gotebo
  • Gould
  • Gowen
  • Gracemont
  • Graham
  • Grainola
  • Grand Lake Towne
  • Grandfield
  • Granite
  • Grant
  • Grayson
  • Greenfield
  • Grove
  • Guthrie
  • Guymon
  • Haileyville
  • Hallett
  • Hammon
  • Hanna
  • Hardesty
  • Harrah
  • Hartshorne
  • Haskell
  • Hastings
  • Haworth
  • Headrick
  • Healdton
  • Heavener
  • Helena
  • Hendrix
  • Hennepin
  • Hennessey
  • Henryetta
  • Hickory
  • Hillsdale
  • Hinton
  • Hitchcock
  • Hitchita
  • Hobart
  • Hochatown
  • Hodgen
  • Hoffman
  • Holdenville
  • Hollis
  • Hollister
  • Hominy
  • Honobia
  • Hooker
  • Hopeton
  • Horntown
  • Howe
  • Hoyt
  • Hugo
  • Hulbert
  • Hunter
  • Hydro
  • Idabel
  • Indiahoma
  • Indianola
  • Inola
  • Isabella
  • IXL
  • Jay
  • Jefferson
  • Jenks
  • Jennings
  • Jet
  • Johnson
  • Jones
  • Kansas
  • Katie
  • Kaw City
  • Kellyville
  • Kemp
  • Kendrick
  • Kenefic
  • Kenton
  • Keota
  • Kerrick
  • Ketchum
  • Keyes
  • Kiefer
  • Kildare
  • Kingfisher
  • Kingston
  • Kinta
  • Kiowa
  • Knowles
  • Konawa
  • Krebs
  • Kremlin
  • Lahoma
  • Lake Aluma
  • Lamar
  • Lambert
  • Lamont
  • Lane
  • Langley
  • Langston
  • Laverne
  • Lawrence Creek
  • Lawton
  • Lebanon
  • Leedey
  • Leflore
  • Lehigh
  • Lenapah
  • Leon
  • Leonard
  • Lequire
  • Lexington
  • Liberty
  • Lima
  • Lindsay
  • Loco
  • Locust Grove
  • Lone Chimney
  • Lone Grove
  • Lone Wolf
  • Longdale
  • Lookeba
  • Lotsee
  • Loveland
  • Loyal
  • Lucien
  • Luther
  • Macomb
  • Madill
  • Manchester
  • Mangum
  • Manitou
  • Mannford
  • Mannsville
  • Maramec
  • Marble City
  • Marietta
  • Marland
  • Marlow
  • Marshall
  • Martha
  • Maud
  • May
  • Mayfield
  • Maysville
  • Mazie
  • Mcalester
  • McCord
  • Mccurtain
  • Mcloud
  • Mead
  • Medford
  • Medicine Park
  • Meeker
  • Meers
  • Meno
  • Meridian
  • Miami
  • Midwest City
  • Milburn
  • Milfay
  • Mill Creek
  • Millerton
  • Minco
  • Moffett
  • Monroe
  • Moodys
  • Moore
  • Mooreland
  • Morris
  • Morrison
  • Mounds
  • Mountain Park
  • Mountain View
  • Moyers
  • Muldrow
  • Mule Barn
  • Mulhall
  • Muse
  • Muskogee
  • Mustang
  • Mutual
  • Nardin
  • Nash
  • Nashoba
  • New Alluwe
  • New Cordell
  • Newalla
  • Newcastle
  • Newkirk
  • Nichols Hills
  • Nicoma Park
  • Ninnekah
  • Noble
  • Norge
  • Norman
  • North Enid
  • North Miami
  • Nowata
  • Oakhurst
  • Oakland
  • Oaks
  • Oakwood
  • Ochelata
  • Oilton
  • Okarche
  • Okay
  • Okeene
  • Okemah
  • Oklahoma City
  • Okmulgee
  • Oktaha
  • Olustee
  • Omega
  • Oologah
  • Optima
  • Orlando
  • Osage
  • Oscar
  • Overbrook
  • Owasso
  • Paden
  • Panama
  • Panola
  • Paoli
  • Paradise Hill
  • Park Hill
  • Pauls Valley
  • Pawhuska
  • Pawnee
  • Peggs
  • Pensacola
  • Peoria
  • Perkins
  • Pernell
  • Perry
  • Phillips
  • Picher
  • Pickens
  • Piedmont
  • Pink
  • Pittsburg
  • Platter
  • Pocasset
  • Pocola
  • Ponca City
  • Pond Creek
  • Porter
  • Porum
  • Poteau
  • Prague
  • Preston
  • Proctor
  • Prue
  • Pryor
  • Pryor Creek
  • Purcell
  • Putnam
  • Quapaw
  • Quinton
  • Ralston
  • Ramona
  • Randlett
  • Ratliff City
  • Rattan
  • Ravia
  • Red Oak
  • Red Rock
  • Redbird
  • Renfrow
  • Rentiesville
  • Reydon
  • Ringling
  • Ringold
  • Ringwood
  • Ripley
  • Rock Island
  • Rocky
  • Roff
  • Roland
  • Roosevelt
  • Rose
  • Rosedale
  • Rosston
  • Rufe
  • Rush Springs
  • Ryan
  • S Coffeyville
  • Saint Louis
  • Salina
  • Sallisaw
  • Sand Springs
  • Sapulpa
  • Sasakwa
  • Savanna
  • Sawyer
  • Sayre
  • Schulter
  • Seiling
  • Seminole
  • Sentinel
  • Shady Point
  • Shamrock
  • Sharon
  • Shattuck
  • Shawnee
  • Shidler
  • Silo
  • Skedee
  • Skiatook
  • Slaughterville
  • Slick
  • Smith Village
  • Smithville
  • Snow
  • Snyder
  • Soper
  • South Coffeyville
  • Southard
  • Sparks
  • Spaulding
  • Spavinaw
  • Spencer
  • Spencerville
  • Sperry
  • Spiro
  • Sportsmen Acres
  • Springer
  • Sterling
  • Stidham
  • Stigler
  • Stillwater
  • Stilwell
  • Stonewall
  • Strang
  • Stratford
  • Stringtown
  • Strong City
  • Stroud
  • Stuart
  • Sugden
  • Sulphur
  • Summit
  • Sweetwater
  • Swink
  • Taft
  • Tahlequah
  • Talala
  • Talihina
  • Taloga
  • Tamaha
  • Tatums
  • Tecumseh
  • Temple
  • Terlton
  • Terral
  • Texhoma
  • Texola
  • Thackerville
  • The Village
  • Thomas
  • Tipton
  • Tishomingo
  • Tonkawa
  • Tribbey
  • Tryon
  • Tullahassee
  • Tulsa
  • Tupelo
  • Turpin
  • Tushka
  • Tuskahoma
  • Tussy
  • Tuttle
  • Twin Oaks
  • Tyrone
  • Union City
  • Valley Brook
  • Valley Park
  • Valliant
  • Velma
  • Vera
  • Verden
  • Verdigris
  • Vernon
  • Vian
  • Vici
  • Vinita
  • Vinson
  • Wagoner
  • Wainwright
  • Wakita
  • Walters
  • Wanette
  • Wann
  • Wapanucka
  • Wardville
  • Warner
  • Warr Acres
  • Warwick
  • Washington
  • Washita
  • Watonga
  • Watson
  • Watts
  • Waukomis
  • Waurika
  • Wayne
  • Waynoka
  • Weatherford
  • Webb City
  • Webbers Falls
  • Welch
  • Weleetka
  • Welling
  • Wellston
  • West Siloam Springs
  • Westport
  • Westville
  • Wetumka
  • Wewoka
  • Wheatland
  • Whitefield
  • Whitesboro
  • Wilburton
  • Willow
  • Wilson
  • Winchester
  • Wister
  • Woodlawn Park
  • Woodward
  • Wright City
  • Wyandotte
  • Wynnewood
  • Wynona
  • Yale
  • Yeager
  • Yukon