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 1–15 of 23 in Tulsa, OK · median 5.25% APR
- 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 - 4.49%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 - 4.54%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 - 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 - 4.99%APRas low as
Terms
Vehicle model years 2025-2027. Rate quoted as of 10/02/26 and 60-month financing. Subject to credit approval. Other rates and terms available.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as 4.99% APR with approved credit. Applies to new vehicles and used vehicles (all model years). Vehicles over 100,000 miles adds 1.00% APR to rate, 150,000-200,000 miles adds 3.00% APR to rate, 20 years and older adds 1.00% APR to rate. Max mileage 200,000.
Auto loan score 83 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Promotional offer: No payments for the first 90 days on qualifying auto loans funded from May to the end of July 2026 (payments are deferred, not waived; interest begins accruing from date funded and is added to the balance). APR includes a 0.25% rate discount with automatic payment.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Maximum term 84 months depending on collateral value and borrower credit history. Advertised as low as rate.
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 13.24%
5.24% APR, up to 13.24%
Terms
Term/credit score determines rate. All terms dependent on loan amount, collateral, and other compensating factors. >78 month term requires a minimum $25K loan. Terms > 72 months and <$25K available with purchase of FOPFCU ancillary product(s).
Auto loan score 73 · Carrot Score 69
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
Auto loan score 76 · Carrot Score 80
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 as
Terms
Model Year 2024.
Auto loan score 68
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 Tulsa, OK
23 banks and credit unions · checked Oct 7–22
- Typical
- 5.25%
- Top 10% up to
- 4.50%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Tulsa, OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 3 branches
- UMB BankBank · 1 branch