Credit union · NCUA insured
Allegiance Credit Union Auto Loan Rates
Allegiance Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How Allegiance Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oklahoma City, OK, where Allegiance Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Allegiance Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 17.99% APR
- Discount
- None included
Auto Loan (2020 & Newer)
Lowest rate
Credit Union One of Oklahoma
4.24%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Oklahoma's Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Allegiance Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Allegiance Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan (2016-2019)
As low as rate includes 0.25% discount for automatic payments. Rates and terms subject to LTV, mileage, credit score, and model year restrictions.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99%–17.99% | Includes 0.25% discount for automatic payments. |
| up to 60 months | 6.24%–17.99% | Includes 0.25% discount for automatic payments. |
Sources (1)
- allegiancecu.org/allegiance-credit-union-rates · captured Oct 15, 2026
Auto Loan (2020 & Newer)
As low as rate includes 0.25% discount for automatic payments. Rates and terms subject to LTV, mileage, credit score, and model year restrictions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–17.99% | Includes 0.25% discount for automatic payments. |
| up to 48 months | 5.24%–16.99% | Includes 0.25% discount for automatic payments. |
| up to 60 months | 5.49%–17.99% | Includes 0.25% discount for automatic payments. |
| up to 72 months | 5.74%–14.24% | Includes 0.25% discount for automatic payments. |
| up to 84 months | 5.99%–11.24% | Includes 0.25% discount for automatic payments. |
Sources (1)
- allegiancecu.org/allegiance-credit-union-rates · captured Oct 15, 2026
First Time Car Buyer Loan
Designed for borrowers with no prior auto loan history. No minimum credit score requirement. Maximum loan amount $25,000. Maximum term 72 months. Maximum LTV 95%. Rates based on loan term, not credit score. Stated rates include a 0.50% discount for automatic payments. Employment history of 12 months between the last two employers is required. Down payment as little as $500 down or $500 in positive trade equity.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 14.49% | Vehicle model year 2022 & Newer. Stated rates include a 0.50% discount for automatic payments. |
| 61–72 months | 14.99% | Vehicle model year 2022 & Newer. Stated rates include a 0.50% discount for automatic payments. |
Sources (1)
- allegiancecu.org/first-time-car-buyer-loan · captured Oct 15, 2026
Who can join Allegiance Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.