Compare Bank & Credit Union Rates
Best auto loan rates in Oklahoma
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 57 in Oklahoma · median 5.25% APR
- 2.99%APRas low asunusually low · being checked
Terms
Up to 100% financing on new vehicle loans upon approval. Flexible terms available.
Auto loan score 86 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year 2023 - Newer.
Auto loan score 93 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vantage Score of 740+. Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000. Estimated payment $18.53 per $1,000 borrowed for 60 months.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Starting at rate; Up to 66 Months
Auto loan score 92 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.44%APRas low as
Terms
New Auto (2025 and newer)
Auto loan score 87 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 12.99%with conditions
4.49% APR, up to 12.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates based on individual credit score and term selected. Rates quoted requires ACH from any account; if ACH is not utilized, add .25% to APR. Call for extended terms (if available).
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Repayment terms up to 60 months. Credit restrictions apply. Rates and terms subject to change at anytime.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
For limited time only. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 10.50%
4.50% APR, up to 10.50%
Terms
3 years old or newer. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans.
Auto loan score 85 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.54%APRas low as
Terms
Model year 2022 or Newer
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as · up to 18.00%
4.70% APR, up to 18.00%
Terms
Vehicle Loans 49 thru 66 months (or 66 months or less).
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Employees Federal Credit UnionVehicle Loans (Automobiles) · up to 96 months
Credit union · 3 branches
4.74%APRas low asAuto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
84 month term limited to a loan balance greater than $20,000.00. Maximum term is based on the year/age of the collateral and may be less than 84 months. APR as low as rate based on individual credit history.
Auto loan score 87 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Oklahoma
57 banks and credit unions · checked Oct 15–22
- Typical
- 5.25%
- Top 10% up to
- 4.38%
- Banks, typical
- 5.86%
- Credit unions, typical
- 5.09%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Oklahoma
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 24 branches
- Endurance Federal Credit UnionCredit union · 4 branches
- American Airlines Federal Credit UnionCredit union · 3 branches