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 46–57 of 57 in Oklahoma · median 5.25% APR
- 5.75%APRas low as
Auto loan score 68 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low as · up to 15.59%
5.89% APR, up to 15.59%
Terms
Rates determined by credit score - Limits based on income and ability to pay if qualified.
Auto loan score 68 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Model years 2024 - 2026
Auto loan score 66 · Carrot Score 85
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 - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
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 - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.49%APRas low as
Terms
Model years 2023 - 2025
Auto loan score 63 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.66%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate assumes credit score of 740+, auto is 2025 or newer, financing for 60 months and payment is auto debit. New and used financing for purchase and refinancing. Debt Cancellation Coverage available for qualified borrowers.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.76%APRas low as
Terms
Limited time offer that may be canceled without notice. Available for new and used vehicles dated 2024 or newer, terms with maximum 60 months, maximum loan-to-value of 100%, and excellent credit. Estimated payment for a $10,000.00 loan is $196.90 for 60 months, including financed origination fee up to $185.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 9.99%APRas low as
Terms
Featured Rates; as low as 9.99%
Auto loan score 60 · 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