Auto Loan Rates in Tulsa, Oklahoma (OK) for July 2026
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Brian McKay
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Editorial Disclosure
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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 Tulsa, Oklahoma. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Tulsa, Oklahoma include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionTulsa Base Administration Building, Tulsa, OK, 74116A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Tinker Federal Credit UnionTinker Federal Credit Union8920 E 61st St, Tulsa, OK, 74133A+5.0 ★Texas Ratio: 2.82% offering Repo Vehicle Loans at 3.99%, OK Members First Federal Credit UnionOK Members First Federal Credit Union10832 E 31st St, Tulsa, OK, 74146A+5.0 ★Texas Ratio: 2.92% offering New & Used Autos at 3.99%, Saint Francis Employees Federal Credit UnionSaint Francis Employees Federal Credit Union6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344A+5.0 ★Texas Ratio: 0.57% offering New or Used Vehicle 2022 or Newer Loan at 4.35%, Encentus Federal Credit UnionEncentus Federal Credit Union1320 S Lewis Ave, Tulsa, OK, 74104 4205A+5.0 ★Texas Ratio: 7.83% offering New Auto at 5.00%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Tulsa has 9 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at Tulsa Base Administration Building, Tulsa, OK, 74116. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Tulsa, Oklahoma. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Tulsa, Oklahoma & Surrounding Area
Tulsa Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Tulsa Base Administration Building, Tulsa, OK, 74116
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Tulsa Base Administration Building, Tulsa, OK, 74116
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
8920 E 61st St, Tulsa, OK, 74133
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 11, 2026
Details
Fixed Rate
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%
Tulsa Base Administration Building, Tulsa, OK, 74116
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
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Tulsa Base Administration Building, Tulsa, OK, 74116
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
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; **
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 16, 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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
8920 E 61st St, Tulsa, OK, 74133
Auto Loans
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedJul 11, 2026
Details
Fixed Rate
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
3720 E 31st St, Tulsa, OK, 74135
New Vehicles (2026) Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates As Low As*
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 16, 2026
Details
As Low As; Minimum Loan Amount:
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
3720 E 31st St, Tulsa, OK, 74135
Used Vehicles (2022-2026) Loan
5.54%
66 months
▼
APR5.54%
Term66 months
Last UpdatedJul 16, 2026
Details
Rates As Low As*
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 16, 2026
Details
As Low As; Minimum Loan Amount:
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
3720 E 31st St, Tulsa, OK, 74135
New Vehicles (2026) Loan
5.74%
78 months
▼
APR5.74%
Term78 months
Last UpdatedJul 16, 2026
Details
Rates As Low As*
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
3720 E 31st St, Tulsa, OK, 74135
Used Vehicles (2019-2021) Loan
5.79%
66 months
▼
APR5.79%
Term66 months
Last UpdatedJul 16, 2026
Details
Rates As Low As*
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 16, 2026
Details
As Low As; Minimum Loan Amount: $20,000
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 16, 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
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
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
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
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
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
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
3.24%
up to 36 months
▼
APR3.24%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
APR*
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
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%
New Vehicles 2025-2026 Loan
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedJul 16, 2026
Details
As Low As; **
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
3.74%
37 - 48 months
▼
APR3.74%
Term37 - 48 months
Last UpdatedJul 16, 2026
Details
APR*
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedJul 16, 2026
Details
Rates for 2023 & Newer Models
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
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. Your annual percentage rate is based on your credit history. Interest will continue to accrue if payment is deferred for 60 days. Not to be combined with any other offers. Up to 125% financing is available based on creditworthiness, model year, and underwriting factors.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2020 - 2022
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
APR*
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Credit Union Owned Autos
3.99%
up to 84 Months
▼
APR3.99%
Termup to 84 Months
Last UpdatedJul 16, 2026
Details
APR*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.24%
49 - 60 months
▼
APR4.24%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
APR*
APR4.25%
Term36 months*
Last UpdatedJul 16, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Vehicles 2024 and Older Loan
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedJul 16, 2026
Details
As Low As; **APR is the Annual Percentage Rate.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2020 - 2022
4.49%
37 - 48 months
▼
APR4.49%
Term37 - 48 months
Last UpdatedJul 16, 2026
Details
APR*
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.49%
61 - 72 months
▼
APR4.49%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
APR*
APR4.75%
Term48 months*
Last UpdatedJul 16, 2026
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Auto Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates as low as 4.75% APR for up to 72 months, including refinancing options. Terms & conditions apply. See a MECU representative for details.
APR4.84%
Term48 Mo
Last UpdatedJul 16, 2026
Details
As Low As; Savings Over 4 Years $474
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
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%
New & Used Vehicles Loan
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
4.99%
37-60 Months
▼
APR4.99%
Term37-60 Months
Last UpdatedJul 16, 2026
Details
Rates for 2023 & Newer Models
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2020 - 2022
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
APR*
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.99%
73 - 84 month
▼
APR4.99%
Term73 - 84 month
Last UpdatedJul 16, 2026
Details
APR*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 49-60 months Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
APR5.03%
Term60 Mo
Last UpdatedJul 16, 2026
Details
As Low As; Savings Over 5 Years $851
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedJul 15, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
Rates for 2023 & Newer Models
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2020 - 2022
5.24%
61 - 72 months
▼
APR5.24%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
APR*
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Autos
5.25%
60 months +*
▼
APR5.25%
Term60 months +*
Last UpdatedJul 16, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2021-2025 Loan
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedJul 15, 2026
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
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%
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; (2024 - 2026)
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
5.49%
73-84 Months
▼
APR5.49%
Term73-84 Months
Last UpdatedJul 16, 2026
Details
Rates for 2023 & Newer Models
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2021-2025 Loan
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedJul 15, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
5.74%
73-84 Months
▼
APR5.74%
Term73-84 Months
Last UpdatedJul 16, 2026
Details
Rates for 2019 - 2022 Models
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2020 - 2022
5.74%
73 - 84 months
▼
APR5.74%
Term73 - 84 months
Last UpdatedJul 16, 2026
Details
APR*
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
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%
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%
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%
New vehicles Loan
5.99%
61-72 months
▼
APR5.99%
Term61-72 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 61-72 months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedJul 16, 2026
Details
model years 2023-2027
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles: model years 2023-2027 Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
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%
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%
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%
New & Used Autos
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedJul 16, 2026
Details
As Low As; (2021 - 2023)
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2016 - 2019
6.24%
up to 36 months
▼
APR6.24%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
APR*
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2018-2020 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 15, 2026
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
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
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedJul 16, 2026
Details
As Low As; (2021 - 2023)
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
Auto Loans
6.49%
0 to 60 months
▼
APR6.49%
Term0 to 60 months
Last UpdatedJul 16, 2026
Details
As low as; Years: 2023 - 2025
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
As Low As; (2019 - 2020)
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
Auto Loans
6.74%
73 to 84 months
▼
APR6.74%
Term73 to 84 months
Last UpdatedJul 16, 2026
Details
As low as; Years: 2023 - 2025
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2016 - 2019
6.74%
37 - 48 months
▼
APR6.74%
Term37 - 48 months
Last UpdatedJul 16, 2026
Details
APR*
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
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%
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%
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%
New & Used Autos
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 16, 2026
Details
As Low As; (2021 - 2023)
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
6.99%
85-96 Months
▼
APR6.99%
Term85-96 Months
Last UpdatedJul 16, 2026
Details
Rates for 2023 & Newer Models
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
Auto Loans
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedJul 16, 2026
Details
As low as; Years: 2020 - 2022
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
6.99%
73-84 months
▼
APR6.99%
Term73-84 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 73-84 months Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles Loan
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedJul 16, 2026
Details
model years 2019-2022
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles: model years 2019-2022 Loan
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
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%
New & Used Autos
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
As Low As; (2019 - 2020)
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
Auto Loans
7.24%
61 to 72 months
▼
APR7.24%
Term61 to 72 months
Last UpdatedJul 16, 2026
Details
As low as; Years: 2018 - 2019
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2016 - 2019
7.24%
49 - 60 months
▼
APR7.24%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
APR*
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
As Low As; (2017 - 2018)
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
Auto Loans
7.74%
0 to 48 months
▼
APR7.74%
Term0 to 48 months
Last UpdatedJul 16, 2026
Details
As low as; Years: 2017 & older
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
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%
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
Tulsa New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Tulsa Base Administration Building, Tulsa, OK, 74116
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
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
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Tulsa Base Administration Building, Tulsa, OK, 74116
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
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; **
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 16, 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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
3720 E 31st St, Tulsa, OK, 74135
New Vehicles (2026) Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates As Low As*
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
3720 E 31st St, Tulsa, OK, 74135
New Vehicles (2026) Loan
5.74%
78 months
▼
APR5.74%
Term78 months
Last UpdatedJul 16, 2026
Details
Rates 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
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
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
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
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
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
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
3.24%
up to 36 months
▼
APR3.24%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
APR*
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
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%
New Vehicles 2025-2026 Loan
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedJul 16, 2026
Details
As Low As; **
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
3.74%
37 - 48 months
▼
APR3.74%
Term37 - 48 months
Last UpdatedJul 16, 2026
Details
APR*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.24%
49 - 60 months
▼
APR4.24%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
APR*
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.49%
61 - 72 months
▼
APR4.49%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
APR*
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.99%
73 - 84 month
▼
APR4.99%
Term73 - 84 month
Last UpdatedJul 16, 2026
Details
APR*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 49-60 months Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedJul 15, 2026
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
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%
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; (2024 - 2026)
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
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%
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%
New vehicles Loan
5.99%
61-72 months
▼
APR5.99%
Term61-72 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 61-72 months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
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%
New & Used Autos
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedJul 16, 2026
Details
As Low As; (2021 - 2023)
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedJul 16, 2026
Details
As Low As; (2021 - 2023)
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
As Low As; (2019 - 2020)
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
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%
New & Used Autos
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 16, 2026
Details
As Low As; (2021 - 2023)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
6.99%
73-84 months
▼
APR6.99%
Term73-84 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 73-84 months Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
As Low As; (2019 - 2020)
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
As Low As; (2017 - 2018)
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
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
Tulsa Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Tulsa Base Administration Building, Tulsa, OK, 74116
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
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Tulsa Base Administration Building, Tulsa, OK, 74116
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
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
3720 E 31st St, Tulsa, OK, 74135
Used Vehicles (2022-2026) Loan
5.54%
66 months
▼
APR5.54%
Term66 months
Last UpdatedJul 16, 2026
Details
Rates As Low As*
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
3720 E 31st St, Tulsa, OK, 74135
Used Vehicles (2019-2021) Loan
5.79%
66 months
▼
APR5.79%
Term66 months
Last UpdatedJul 16, 2026
Details
Rates 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 - 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
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
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
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
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
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
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
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%
Used Vehicles 2024 and Older Loan
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedJul 16, 2026
Details
As Low As; **APR is the Annual Percentage Rate.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 15, 2026
Details
Annual Percentage Rate (APR) as low as
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
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%
New & Used Autos
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; (2024 - 2026)
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
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%
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%
Used vehicles Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedJul 16, 2026
Details
model years 2023-2027
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles: model years 2023-2027 Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
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%
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%
New & Used Autos
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedJul 16, 2026
Details
As Low As; (2021 - 2023)
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2018-2020 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 15, 2026
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
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
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedJul 16, 2026
Details
As Low As; (2021 - 2023)
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
As Low As; (2019 - 2020)
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
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%
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%
New & Used Autos
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 16, 2026
Details
As Low As; (2021 - 2023)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles Loan
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedJul 16, 2026
Details
model years 2019-2022
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles: model years 2019-2022 Loan
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
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%
New & Used Autos
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
As Low As; (2019 - 2020)
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
As Low As; (2017 - 2018)
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
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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Tulsa, OK Auto Loan Rate Trends
Compare local Tulsa, OK 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma?
Based on our current data, some of the lowest auto loan rates available in Tulsa, Oklahoma include:
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Tinker Federal Credit Union: 3.99% (Repo Vehicle Loans)
- OK Members First Federal Credit Union: 3.99% (New & Used Autos)
- Saint Francis Employees Federal Credit Union: 4.35% (New or Used Vehicle 2022 or Newer Loan)
- Encentus Federal Credit Union: 5.00% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tulsa, Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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