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 16–30 of 57 in Oklahoma · median 5.25% APR
- 4.90%APRas low as
Terms
Based on FICO Score. Fixed APR.
Auto loan score 80 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as 4.99% APR.
Auto loan score 83 · Carrot Score 77
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 - 4.99%APRas low as
Auto loan score 83 · Carrot Score 89
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 - 5.09%APRas low as · up to 15.34%
5.09% APR, up to 15.34%
Terms
Subject to 0.50% rewards discount. Rate based on creditworthiness.
Auto loan score 73 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Longer terms may be available. Please call for more information.
Auto loan score 79 · 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 · 12 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 - 5.24%APRas low as
Terms
New/Used Vehicles (2024-2026). With approved credit. Minimum finance amount eligible for loan term listed. Maximum vehicle mileage not to exceed 80k for loan term listed.
Auto loan score 76 · Carrot Score 85
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 - Cooperative Employees’ Credit UnionNew & Up to 3 years Car-Truck-Van · up to 60 months
Credit union · 1 branch
5.25%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 60 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%.
Auto loan score 72
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