Compare Bank & Credit Union Rates
Best auto loan rates in Stillwater, 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 1–4 of 4 in Payne County, OK · median 6.12% APR
- 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 - 5.99%APRas low as
Terms
Fixed rate 'as low as' APR for 2027 – 2025 models. Credit score 740+ for lowest rate.
Auto loan score 65 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires excellent and substantial credit, perfected lien, and selecting auto payment from a qualified checking account.
Auto loan score 64 · Carrot Score 82
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 Payne County, OK
4 banks and credit unions · checked Sep 24–Oct 16
- Typical
- 6.12%
- Top 10% up to
- 5.47%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Stillwater, OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Payne County BankBank · 2 branches