Auto Loan Rates in Oklahoma (OK) for July 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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.
Current auto loan rates in Oklahoma include TEXOMA EDUCATORSTEXOMA EDUCATORS424 N Washington Ave, Durant, OK, 74701 3461A+5.0 ★Texas Ratio: 2.34% offering New vehicles Loan at 2.99%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union12411 E 96th St N, Owasso, OK, 74055A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, USE Federal Credit UnionUSE Federal Credit Union4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119A+5.0 ★Texas Ratio: 0.86% offering New & Used Autos at 3.49%, Mercy Credit UnionMercy Credit Union4200 W Memorial Rd, Oklahoma City, OK, 73120A+5.0 ★Texas Ratio: 1.66% offering New Vehicles 2025-2026* Loan at 3.74%, WEOKIE Federal Credit UnionWEOKIE Federal Credit Union8100 W Reno Ave, Oklahoma City, OK, 73127 7229A+5.0 ★Texas Ratio: 3.51% offering Auto Loan Financing at 3.99%. Auto loan rates as of July 15, 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 — 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: July 15, 2026
Compare Auto Loan Rates Today in Oklahoma
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: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 14, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
12411 E 96th St N, Owasso, OK, 74055
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
4200 W Memorial Rd, Oklahoma City, OK, 73120
New Vehicles 2025-2026* Loan
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedJul 11, 2026
Details
As Low As; **
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
8100 W Reno Ave, Oklahoma City, OK, 73127 7229
Auto Loan Financing
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 10, 2026
Details
As Low As; Rates are as low as 3.99% APR for well-qualified buyers for terms up to 36 months; terms up to 96 months are available at higher rates. No payments for up to 60 days. Up to 125% financing is available based on creditworthiness, model year, and underwriting factors. Proof of income may be required. Existing WEOKIE auto loans are not eligible for refinancing. Super-Duty Trucks, Commercial Use Vehicles, and Classic Cars are excluded from this offer. If you choose to defer your payment for 60 days, interest will continue to accrue during this time.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1620 Lonnie Abbott Blvd, Ada, OK, 74820
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 11, 2026
Details
Fixed Rate
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 14, 2026
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
10832 E 31st St, Tulsa, OK, 74146
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
12411 E 96th St N, Owasso, OK, 74055
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
2325 E I 44 Service Rd, Oklahoma City, OK, 73111 8219
Autos
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedJul 6, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2022 or Newer Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
4200 W Memorial Rd, Oklahoma City, OK, 73120
Used Vehicles Loan
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedJul 11, 2026
Details
As Low As; **
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2022 or Newer Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
2325 E I 44 Service Rd, Oklahoma City, OK, 73111 8219
Autos
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedJul 6, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2022 or Newer Loan
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 15, 2026
Details
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedJul 14, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 7.83%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; **
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 7.83%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; **
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedJul 15, 2026
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
10110 E 11th St, Tulsa, OK, 74128
New Auto
5.24%
Term/credit score determines rate
▼
APR5.24%
TermTerm/credit score determines rate
Last UpdatedJul 10, 2026
Details
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
2325 E I 44 Service Rd, Oklahoma City, OK, 73111 8219
Autos
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedJul 6, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
5.39%
Up to 36 Months
▼
APR5.39%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
5.39%
Up to 36 Months
▼
APR5.39%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2021-2025 Loan
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedJul 15, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2010 - 2016, by approval)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2024 - 2026)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
1620 Lonnie Abbott Blvd, Ada, OK, 74820
Auto Loans
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedJul 11, 2026
Details
Fixed Rate
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
2 W Macarthur St, Shawnee, OK, 74804 2026
New Vehicle (Current & Previous Year) Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; 100% Purchase price or NADA retail value, plus tag, title, and tax
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK, 74129 1400
Auto Loan
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedJul 10, 2026
Details
As Low As; Minimum Loan Amount:
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK, 74129 1400
Auto Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedJul 10, 2026
Details
As Low As; Minimum Loan Amount:
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2021-2025 Loan
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedJul 15, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Auto
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedJul 15, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK, 74129 1400
Auto Loan
5.84%
84 months
▼
APR5.84%
Term84 months
Last UpdatedJul 10, 2026
Details
As Low As; Minimum Loan Amount: $20,000
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
Auto Loans
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedJul 15, 2026
Details
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
5.99%
61-72 months
▼
APR5.99%
Term61-72 months
Last UpdatedJul 14, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedJul 14, 2026
Details
model years 2023-2027
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2021-2025 Loan
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedJul 15, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
Auto Loans
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedJul 15, 2026
Details
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedJul 10, 2026
Details
As Low As
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
10110 E 11th St, Tulsa, OK, 74128
Rec Vehicle Loan
6.24%
Term/credit score determines rate
▼
APR6.24%
TermTerm/credit score determines rate
Last UpdatedJul 10, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2018-2020 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2017-2021 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
6.39%
Up to 84 Months
▼
APR6.39%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
1% added to rate if over 50,000 miles
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
6.39%
Up to 84 Months
▼
APR6.39%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
1% added to rate if over 50,000 miles
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
6.49%
37 - 48 months
▼
APR6.49%
Term37 - 48 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedJul 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans
6.49%
0 to 60 months
▼
APR6.49%
Term0 to 60 months
Last UpdatedJul 10, 2026
Details
As low as; 2023 - 2025
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
2 W Macarthur St, Shawnee, OK, 74804 2026
Used Vehicle (2 to 7 Years Old) Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 100% NADA retail value, plus tag, title, and tax
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2017-2021 Loan
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
6.74%
25 - 36 months
▼
APR6.74%
Term25 - 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedJul 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans
6.74%
73 to 84 months
▼
APR6.74%
Term73 to 84 months
Last UpdatedJul 10, 2026
Details
As low as; 2023 - 2025
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2017-2021 Loan
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2015-2017 Loan
6.89%
30 Months
▼
APR6.89%
Term30 Months
Last UpdatedJul 15, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
Auto Loans
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 15, 2026
Details
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2010 - 2016, by approval)
6.99%
25 - 36 months
▼
APR6.99%
Term25 - 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
6.99%
37 - 48 months
▼
APR6.99%
Term37 - 48 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedJul 10, 2026
Details
As low as; 2020 - 2022
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
6.99%
73-84 months
▼
APR6.99%
Term73-84 months
Last UpdatedJul 14, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles Loan
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedJul 14, 2026
Details
model years 2019-2022
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2012-2012 Loan
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2015-2017 Loan
7.19%
36 Months
▼
APR7.19%
Term36 Months
Last UpdatedJul 15, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2010 - 2016, by approval)
7.24%
37 - 48 months
▼
APR7.24%
Term37 - 48 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedJul 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans
7.24%
61 to 72 months
▼
APR7.24%
Term61 to 72 months
Last UpdatedJul 10, 2026
Details
As low as; 2018 - 2019
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2012-2012 Loan
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedJul 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2012-2012 Loan
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
7480 Highway 177 Ste A, Red Rock, OK, 74651
Auto Loans
7.74%
0 to 48 months
▼
APR7.74%
Term0 to 48 months
Last UpdatedJul 10, 2026
Details
As low as; 2017 & older
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
Auto Loans
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedJul 15, 2026
Details
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Powered by
MonitorBankRates
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: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 14, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
12411 E 96th St N, Owasso, OK, 74055
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
4200 W Memorial Rd, Oklahoma City, OK, 73120
New Vehicles 2025-2026* Loan
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedJul 11, 2026
Details
As Low As; **
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 14, 2026
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
10832 E 31st St, Tulsa, OK, 74146
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
12411 E 96th St N, Owasso, OK, 74055
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2022 or Newer Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2022 or Newer Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2022 or Newer Loan
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedJul 14, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 7.83%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; **
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedJul 15, 2026
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
10110 E 11th St, Tulsa, OK, 74128
New Auto
5.24%
Term/credit score determines rate
▼
APR5.24%
TermTerm/credit score determines rate
Last UpdatedJul 10, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
5.39%
Up to 36 Months
▼
APR5.39%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2010 - 2016, by approval)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2024 - 2026)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
2 W Macarthur St, Shawnee, OK, 74804 2026
New Vehicle (Current & Previous Year) Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; 100% Purchase price or NADA retail value, plus tag, title, and tax
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
New Auto
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedJul 15, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
5.99%
61-72 months
▼
APR5.99%
Term61-72 months
Last UpdatedJul 14, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedJul 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2017-2021 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - New
6.39%
Up to 84 Months
▼
APR6.39%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
1% added to rate if over 50,000 miles
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
6.49%
37 - 48 months
▼
APR6.49%
Term37 - 48 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedJul 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2017-2021 Loan
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
6.74%
25 - 36 months
▼
APR6.74%
Term25 - 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedJul 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2017-2021 Loan
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2010 - 2016, by approval)
6.99%
25 - 36 months
▼
APR6.99%
Term25 - 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
6.99%
37 - 48 months
▼
APR6.99%
Term37 - 48 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 10, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
New vehicles Loan
6.99%
73-84 months
▼
APR6.99%
Term73-84 months
Last UpdatedJul 14, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2012-2012 Loan
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2010 - 2016, by approval)
7.24%
37 - 48 months
▼
APR7.24%
Term37 - 48 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedJul 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2012-2012 Loan
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedJul 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2012-2012 Loan
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Powered by
MonitorBankRates
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: 0.86%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
10832 E 31st St, Tulsa, OK, 74146
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2022 or Newer Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
4200 W Memorial Rd, Oklahoma City, OK, 73120
Used Vehicles Loan
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedJul 11, 2026
Details
As Low As; **
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2022 or Newer Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2022 or Newer Loan
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 7.83%
1320 S Lewis Ave, Tulsa, OK, 74104 4205
Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; **
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
5.39%
Up to 36 Months
▼
APR5.39%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2021-2025 Loan
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedJul 15, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2010 - 2016, by approval)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2024 - 2026)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2021-2025 Loan
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedJul 15, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedJul 14, 2026
Details
model years 2023-2027
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2021-2025 Loan
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedJul 15, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedJul 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2018-2020 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2017-2021 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK, 74120 4205
Autos - Used
6.39%
Up to 84 Months
▼
APR6.39%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
1% added to rate if over 50,000 miles
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
6.49%
37 - 48 months
▼
APR6.49%
Term37 - 48 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedJul 10, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
2 W Macarthur St, Shawnee, OK, 74804 2026
Used Vehicle (2 to 7 Years Old) Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 100% NADA retail value, plus tag, title, and tax
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2017-2021 Loan
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
6.74%
25 - 36 months
▼
APR6.74%
Term25 - 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedJul 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2017-2021 Loan
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2015-2017 Loan
6.89%
30 Months
▼
APR6.89%
Term30 Months
Last UpdatedJul 15, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2010 - 2016, by approval)
6.99%
25 - 36 months
▼
APR6.99%
Term25 - 36 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
6.99%
37 - 48 months
▼
APR6.99%
Term37 - 48 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2021 - 2023)
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 10, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK, 74701 3461
Used vehicles Loan
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedJul 14, 2026
Details
model years 2019-2022
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2012-2012 Loan
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Used Vehicles 2015-2017 Loan
7.19%
36 Months
▼
APR7.19%
Term36 Months
Last UpdatedJul 15, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2010 - 2016, by approval)
7.24%
37 - 48 months
▼
APR7.24%
Term37 - 48 months
Last UpdatedJul 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2019 - 2020)
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedJul 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2012-2012 Loan
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK, 74820
New & Used Autos (2017 - 2018)
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedJul 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344
New or Used Vehicle 2012-2012 Loan
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK, 73401
New & Used Vehicles Loan
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
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MonitorBankRates
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.
New Auto Loan — OK Avg
4.914%
▼ 0.324 vs 7 days ago
Oklahoma new auto rates fell 0.324 points over the past 7 days to 4.914% APR.
Used Auto Loan — OK Avg
5.853%
▲ 0.184 vs 7 days ago
Oklahoma used auto rates rose 0.184 points over the past 7 days to 5.853% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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.
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.
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)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- USE Federal Credit Union: 3.49% (New & Used Autos)
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026* Loan)
- WEOKIE Federal Credit Union: 3.99% (Auto Loan Financing)
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: July 15, 2026
Auto Loan Rates by City in Oklahoma
Rate Assistant
MonitorBankRates.com · Live Data
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