Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 1–12 of 12 in Oklahoma · median 6.10% APR
- 4.99%APRas low as
Terms
Rate as low as 4.99% APR.
Auto loan score 84 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR includes 1.73% discount for auto debit from any USB Checking account (rate could increase if auto payment is cancelled, balance does not support payments, or account is closed). APR of 5.50% based on 7.00% interest rate less discount for 60 months, $25,000 principal balance and $142.50 in loan fees. Requires credit score of 680 or higher.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 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
Purchase. Model year 2024 and newer; 79,999 miles or less. Combined FICO schedule: min APR FICO 730 or higher; max APR FICO 609 or lower. Loans $3,000 or more. Stated APR includes 0.25% autopay discount from INTRUST checking (contract rate 0.25% higher without it). Contract rate 5% higher if model year greater than 20 years old. Subject to approval; insurance required.
Auto loan score 69 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 6.09%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit ($870.81 monthly payment). 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. May not include a $195 loan origination fee for Indiana applications.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 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 89
Rate checked · Auto loans rates on its site
More details - 6.11%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 5.49% (6.11% APR). Lower rates with Auto Debit from a QCB account. Some restrictions may apply; rates are subject to change.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 6.34%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 81
Rate checked · Auto loans rates on its site
More details - 6.59%APRas low as · up to 10.29%
6.59% APR, up to 10.29%
Terms
Motor Vehicle. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include optional 0.25% autopay discount from Commerce checking or savings account. Available for new and used car, trucks, and motorcycle loans. Subject to credit approval. Minimum loan amount $7,000.00.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.63%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate assumes a loan amount of $30,000, credit score of 740+, auto is 2025 or newer, financing for 60 months and payment is auto debit. New and used financing for both purchase and refinancing needs. Rate discount for automatic payments. Debt Cancellation Coverage available for qualified borrowers.
Auto loan score 63 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 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
More details - 8.50%APRas low as
Terms
Model Year: New (2026)
Auto loan score 60 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details
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
12 banks and credit unions · checked Nov 6–14
- Typical
- 6.10%
- Top 10% up to
- 5.50%
- Banks, typical
- 6.10%
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 · 23 branches
- American Airlines Federal Credit UnionCredit union · 3 branches
- Endurance Federal Credit UnionCredit union · 4 branches