Auto Loan Rates in Whitesboro, Oklahoma (OK) for May 2026
Content reviewed by
Brian McKay
i
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 Whitesboro, Oklahoma. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Whitesboro, Oklahoma include TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 0.63% offering New vehicles at 2.99%, Credit Union One Of Oklahoma Credit UnionCredit Union One Of Oklahoma Credit UnionA+5.0 ★Texas Ratio: 3.70% offering Auto Loans 2023 - Newer at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%, Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.69% offering New Vehicles 2025-2026 at 3.74%, Tinker Federal Credit UnionTinker Federal Credit UnionA+5.0 ★Texas Ratio: 2.99% offering Repo Vehicle Loans at 3.99%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Whitesboro borrowers have access to 15 lenders serving the Oklahoma area, with auto loan rates as low as 2.99% APR from TEXOMA EDUCATORS. 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 Whitesboro, Oklahoma. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Whitesboro, Oklahoma & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
APR2.99%
Term0-36
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedMay 10, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 10, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.74%
48 Months
▼
APR3.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 4, 2026
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedMay 6, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details
APR3.99%
Term37-48
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 12, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
APR4.25%
Term36 months
Last UpdatedMay 10, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 10, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR4.75%
Term48 months
Last UpdatedMay 10, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
APR4.99%
Term49-60
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 49-60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
APR5.25%
Term60 months +
Last UpdatedMay 10, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Auto Loans
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMay 4, 2026
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Vehicle (Current & Previous Year)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 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: 2.02%
New Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2024 - 2026)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
Auto Loan
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedMay 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedMay 7, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
Auto Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedMay 10, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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: 5.35%
Vehicle Loan
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
Auto Loan
5.84%
84 months
▼
APR5.84%
Term84 months
Last UpdatedMay 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
5.89%
60 Months
▼
APR5.89%
Term60 Months
Last UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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: 5.35%
Vehicle Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
APR5.99%
Term61-72
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 61-72 months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details
APR5.99%
Term0-72
Last UpdatedMay 12, 2026
Details
model years 2023-2027
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2023-2027
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedMay 12, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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: 5.35%
Vehicle Loan
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedMay 10, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2016 - 2019
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedMay 10, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 7, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Vehicle (2 to 7 Years Old)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 6, 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: 4.48%
New & Used Autos (2019 - 2020)
6.49%
37 - 48 months
▼
APR6.49%
Term37 - 48 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedMay 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans
6.49%
0-60
▼
APR6.49%
Term0-60
Last UpdatedMay 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2023 - 2025
6.49%
0 to 60
▼
APR6.49%
Term0 to 60
Last UpdatedMay 10, 2026
Details
As Low As; Loan terms: 0 to 60 months
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMay 7, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.74%
25 - 36 months
▼
APR6.74%
Term25 - 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedMay 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans
6.74%
73-84
▼
APR6.74%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2020 - 2022
6.74%
0 to 60
▼
APR6.74%
Term0 to 60
Last UpdatedMay 10, 2026
Details
As Low As; Loan terms: 0 to 60 months
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2023 - 2025
6.74%
73 to 84
▼
APR6.74%
Term73 to 84
Last UpdatedMay 10, 2026
Details
As Low As; Loan terms: 73 to 84 months
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2016 - 2019
6.74%
48 Months
▼
APR6.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.79%
48 Months
▼
APR6.79%
Term48 Months
Last UpdatedMay 7, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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: 5.35%
Vehicle Loan
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
6.99%
25 - 36 months
▼
APR6.99%
Term25 - 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.99%
37 - 48 months
▼
APR6.99%
Term37 - 48 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedMay 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans
6.99%
73-84
▼
APR6.99%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2018 - 2019
6.99%
0 to 60
▼
APR6.99%
Term0 to 60
Last UpdatedMay 10, 2026
Details
As Low As; Loan terms: 0 to 60 months
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2020 - 2022
6.99%
73 to 84
▼
APR6.99%
Term73 to 84
Last UpdatedMay 10, 2026
Details
As Low As; Loan terms: 73 to 84 months
APR6.99%
Term73-84
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 73-84 months
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
APR6.99%
Term0-60
Last UpdatedMay 12, 2026
Details
model years 2019-2022
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2019-2022
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedMay 12, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
7.24%
37 - 48 months
▼
APR7.24%
Term37 - 48 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans
7.24%
61-72
▼
APR7.24%
Term61-72
Last UpdatedMay 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2018 - 2019
7.24%
61 to 72
▼
APR7.24%
Term61 to 72
Last UpdatedMay 10, 2026
Details
As Low As; Loan terms: 61 to 72 months
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2016 - 2019
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.39%
30 Months
▼
APR7.39%
Term30 Months
Last UpdatedMay 7, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedMay 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.69%
36 Months
▼
APR7.69%
Term36 Months
Last UpdatedMay 7, 2026
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans
7.74%
0-48
▼
APR7.74%
Term0-48
Last UpdatedMay 10, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2017 & older
7.74%
0 to 48
▼
APR7.74%
Term0 to 48
Last UpdatedMay 10, 2026
Details
As Low As; Loan terms: 0 to 48 months
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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: 5.35%
Vehicle Loan
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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.
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
APR2.99%
Term0-36
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedMay 10, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 10, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.74%
48 Months
▼
APR3.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedMay 6, 2026
Details
APR3.99%
Term37-48
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 12, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
APR4.99%
Term49-60
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 49-60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Vehicle (Current & Previous Year)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 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: 2.02%
New Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2024 - 2026)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedMay 7, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
APR5.99%
Term61-72
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 61-72 months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedMay 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 7, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
6.49%
37 - 48 months
▼
APR6.49%
Term37 - 48 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedMay 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.74%
25 - 36 months
▼
APR6.74%
Term25 - 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedMay 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
6.99%
25 - 36 months
▼
APR6.99%
Term25 - 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.99%
37 - 48 months
▼
APR6.99%
Term37 - 48 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedMay 10, 2026
Details
As Low As
APR6.99%
Term73-84
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 73-84 months
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
7.24%
37 - 48 months
▼
APR7.24%
Term37 - 48 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedMay 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedMay 6, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
5.49%
Up to 24 months
▼
APR5.49%
TermUp to 24 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2024 - 2026)
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
5.89%
60 Months
▼
APR5.89%
Term60 Months
Last UpdatedMay 7, 2026
Details
APR5.99%
Term0-72
Last UpdatedMay 12, 2026
Details
model years 2023-2027
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2023-2027
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedMay 12, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedMay 7, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedMay 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Vehicle (2 to 7 Years Old)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 6, 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: 4.48%
New & Used Autos (2019 - 2020)
6.49%
37 - 48 months
▼
APR6.49%
Term37 - 48 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedMay 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMay 7, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.74%
25 - 36 months
▼
APR6.74%
Term25 - 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedMay 10, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.79%
48 Months
▼
APR6.79%
Term48 Months
Last UpdatedMay 7, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
6.99%
25 - 36 months
▼
APR6.99%
Term25 - 36 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.99%
37 - 48 months
▼
APR6.99%
Term37 - 48 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedMay 10, 2026
Details
As Low As
APR6.99%
Term0-60
Last UpdatedMay 12, 2026
Details
model years 2019-2022
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2019-2022
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedMay 12, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
7.24%
37 - 48 months
▼
APR7.24%
Term37 - 48 months
Last UpdatedMay 10, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.39%
30 Months
▼
APR7.39%
Term30 Months
Last UpdatedMay 7, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedMay 10, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.69%
36 Months
▼
APR7.69%
Term36 Months
Last UpdatedMay 7, 2026
Details
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MonitorBankRates
Whitesboro, OK Auto Loan Rate Trends
Compare local Whitesboro, 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
5.097%
Unchanged vs 7 days ago
Oklahoma new auto loan rates currently average 5.097% APR.
Used Auto Loan — OK Avg
6.017%
▲ 0.029 vs 7 days ago
Oklahoma used auto rates rose 0.029 points over the past 7 days to 6.017% APR.
As of May 15, 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 Whitesboro, 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 Whitesboro, 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 Whitesboro, 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 Whitesboro, 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 Whitesboro, 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 Whitesboro, 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 Whitesboro, Oklahoma?
Based on our current data, some of the lowest auto loan rates available in Whitesboro, Oklahoma include:
- TEXOMA EDUCATORS: 2.99% (New vehicles)
- Credit Union One Of Oklahoma Credit Union: 3.24% (Auto Loans 2023 - Newer)
- American Airlines Federal Credit Union: 3.74% (New Auto)
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026)
- Tinker Federal Credit Union: 3.99% (Repo Vehicle Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Whitesboro, Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
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