Compare Bank & Credit Union Rates
Best auto loan rates in Oklahoma City, OK
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 23 in Oklahoma City, OK · median 5.49% APR
- 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 - 4.44%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
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 - 4.70%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 - 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 - 4.99%APRas low as
Terms
Promotional rate as low as 4.99% APR for terms up to 72 months on new or used vehicles. Applies to vehicle purchase and refinance of an existing vehicle loan from another lender; current MECU loans are not eligible for consolidation or refinancing under this promotion. Excludes indirect lending, as well as boats, RVs, motorhomes, motorcycles, ATVs, classic or vintage vehicles, commercially built vehicles, and salvage-titled vehicles. Eligible loan amounts range from $5,000 to $100,000. Applicants must be at least 18 years of age and meet creditworthiness, lending qualifications, and membership eligibility.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - WEOKIE Federal Credit UnionAuto Rates and Terms (2023 & Newer Models) · 37–60 months
Credit union · 5 branches
5.24%APRas low as · up to 12.99%5.24% APR, up to 12.99%
Terms
2023 & Newer Models.
Auto loan score 79 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates as low as 5.25% APR. Loans offered with approved credit. Annual percentage rate for qualified borrowers on new loans or refinance of non-BancFirst loans. Model year limits may apply. Offer expires September 30, 2026.
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 17.99%with conditions
5.49% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount for automatic payments.
Auto loan score 73 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model years 2019–2027. Fixed rate. Rates published are as low as stated rate.
Auto loan score 73 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles.
Auto loan score 69 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as · up to 16.65%with conditions
5.54% APR, up to 16.65%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle: 2024 and Newer, 79,999 miles or less; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (5.54% APR, 4.95% contract rate) to 609 or lower (16.65% APR, 16.00% contract rate)
Auto loan score 72 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.61%APRas low as
Terms
Rates as low as 4.99% (5.61% APR). Promotional rate valid Sept 1 – Oct 31, 2026. Lower rates with Auto Debit from a Quail Creek Bank account.
Auto loan score 67 · Carrot Score 87
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 City, OK
23 banks and credit unions · checked Oct 15–22
- Typical
- 5.49%
- Top 10% up to
- 4.45%
- Banks, typical
- 6.09%
- Credit unions, typical
- 5.12%
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 City, OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 12 branches
- Bank of CommerceBank · 1 branch
- Farmers Insurance Federal Credit UnionCredit union · 1 branch