Auto Loan Rates in Elk City, Oklahoma (OK) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Elk City, Oklahoma. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Elk City, Oklahoma include TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 2.34% offering New vehicles Loan at 2.99%, Credit Union One Of Oklahoma Credit UnionCredit Union One Of Oklahoma Credit UnionA+5.0 ★Texas Ratio: 3.52% offering Auto Loans 2023 - Newer at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.66% offering New Vehicles 2025-2026 Loan at 3.74%, Tinker Federal Credit UnionTinker Federal Credit UnionA+5.0 ★Texas Ratio: 2.82% offering Repo Vehicle Loans at 3.99%. Auto loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Elk City borrowers have access to 20 lenders serving the Oklahoma area, with auto loan rates as low as 2.99% APR from TEXOMA EDUCATORS. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Elk City, Oklahoma. Auto Loan Rates Last Updated and Verified: July 25, 2026
Compare Auto Loan Rates Today in Elk City, Oklahoma & Surrounding Area
Elk City Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
3.24%
up to 36 months
▼
APR3.24%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 24, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Vehicles 2025-2026 Loan
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedJul 16, 2026
Details
As Low As; **
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
3.74%
37 - 48 months
▼
APR3.74%
Term37 - 48 months
Last UpdatedJul 16, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 24, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 11, 2026
Details
Fixed Rate
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2020 - 2022
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
APR*
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Credit Union Owned Autos
3.99%
up to 84 Months
▼
APR3.99%
Termup to 84 Months
Last UpdatedJul 16, 2026
Details
APR*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedJul 25, 2026
Details
Rates for 2023 & Newer Models
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.24%
49 - 60 months
▼
APR4.24%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
APR*
APR4.25%
Term36 months*
Last UpdatedJul 16, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2022 or Newer Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedJul 24, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
New Auto
4.44%
2025 and newer
▼
APR4.44%
Term2025 and newer
Last UpdatedJul 22, 2026
Details
As low as*
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Vehicles 2024 and Older Loan
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedJul 16, 2026
Details
As Low As; **APR is the Annual Percentage Rate.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2020 - 2022
4.49%
37 - 48 months
▼
APR4.49%
Term37 - 48 months
Last UpdatedJul 16, 2026
Details
APR*
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.49%
61 - 72 months
▼
APR4.49%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2022 or Newer Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedJul 24, 2026
Details
As Low As
APR4.75%
Term48 months*
Last UpdatedJul 16, 2026
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Auto Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates as low as 4.75% APR for up to 72 months, including refinancing options. Terms & conditions apply. See a MECU representative for details.
APR4.84%
Term48 Mo
Last UpdatedJul 16, 2026
Details
As Low As; Savings Over 4 Years $474
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2022 or Newer Loan
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedJul 24, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 24, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2020 - 2022
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
APR*
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.99%
73 - 84 month
▼
APR4.99%
Term73 - 84 month
Last UpdatedJul 16, 2026
Details
APR*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 49-60 months Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 24, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
4.99%
37-60 Months
▼
APR4.99%
Term37-60 Months
Last UpdatedJul 25, 2026
Details
Rates for 2023 & Newer Models
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 7.83%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedJul 24, 2026
Details
As Low As
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 7.83%
Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedJul 24, 2026
Details
As Low As
APR5.03%
Term60 Mo
Last UpdatedJul 16, 2026
Details
As Low As; Savings Over 5 Years $851
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedJul 24, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2020 - 2022
5.24%
61 - 72 months
▼
APR5.24%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
APR*
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto
5.24%
Term/credit score determines rate
▼
APR5.24%
TermTerm/credit score determines rate
Last UpdatedJul 25, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedJul 25, 2026
Details
Rates for 2023 & Newer Models
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Autos
5.25%
60 months +*
▼
APR5.25%
Term60 months +*
Last UpdatedJul 16, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2021-2025 Loan
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedJul 24, 2026
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Specialty Vehicle Loan
5.44%
Boat, RV, Motorcycle etc.
▼
APR5.44%
TermBoat, RV, Motorcycle etc.
Last UpdatedJul 22, 2026
Details
As low as*
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Used Auto
5.44%
2024 - 2022
▼
APR5.44%
Term2024 - 2022
Last UpdatedJul 22, 2026
Details
As low as*
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Auto Loans
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedJul 11, 2026
Details
Fixed Rate
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 24, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2024 - 2026)
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles (2026) Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 25, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
5.49%
73-84 Months
▼
APR5.49%
Term73-84 Months
Last UpdatedJul 25, 2026
Details
Rates for 2023 & Newer Models
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 20.17%
Auto Loan
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedJul 25, 2026
Details
As Low As
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Used Vehicles (2022-2026) Loan
5.54%
66 months
▼
APR5.54%
Term66 months
Last UpdatedJul 25, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2021-2025 Loan
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedJul 24, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 20.17%
Auto Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedJul 25, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2020 - 2022
5.74%
73 - 84 months
▼
APR5.74%
Term73 - 84 months
Last UpdatedJul 16, 2026
Details
APR*
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles (2026) Loan
5.74%
78 months
▼
APR5.74%
Term78 months
Last UpdatedJul 25, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
5.74%
73-84 Months
▼
APR5.74%
Term73-84 Months
Last UpdatedJul 25, 2026
Details
Rates for 2019 - 2022 Models
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedJul 24, 2026
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Used Vehicles (2019-2021) Loan
5.79%
66 months
▼
APR5.79%
Term66 months
Last UpdatedJul 25, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 20.17%
Auto Loan
5.84%
84 months
▼
APR5.84%
Term84 months
Last UpdatedJul 25, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedJul 24, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
5.99%
61-72 months
▼
APR5.99%
Term61-72 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 61-72 months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedJul 16, 2026
Details
model years 2023-2027
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles: model years 2023-2027 Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
5.99%
0-48 Months
▼
APR5.99%
Term0-48 Months
Last UpdatedJul 25, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2021-2025 Loan
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedJul 24, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedJul 24, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2016 - 2019
6.24%
up to 36 months
▼
APR6.24%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
APR*
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2021 - 2023)
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
Rec Vehicle Loan
6.24%
Term/credit score determines rate
▼
APR6.24%
TermTerm/credit score determines rate
Last UpdatedJul 25, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
6.24%
49-60 Months
▼
APR6.24%
Term49-60 Months
Last UpdatedJul 25, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2018-2020 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 24, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2017-2021 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 24, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Used Auto
6.44%
2021 - 2019
▼
APR6.44%
Term2021 - 2019
Last UpdatedJul 22, 2026
Details
As low as*
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2021 - 2023)
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
Auto Loans
6.49%
0 to 60 months
▼
APR6.49%
Term0 to 60 months
Last UpdatedJul 25, 2026
Details
As low as; 2023 - 2025
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2017-2021 Loan
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedJul 24, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2016 - 2019
6.74%
37 - 48 months
▼
APR6.74%
Term37 - 48 months
Last UpdatedJul 16, 2026
Details
APR*
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2019 - 2020)
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
Auto Loans
6.74%
73 to 84 months
▼
APR6.74%
Term73 to 84 months
Last UpdatedJul 25, 2026
Details
As low as; 2023 - 2025
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2017-2021 Loan
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedJul 24, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2015-2017 Loan
6.89%
30 Months
▼
APR6.89%
Term30 Months
Last UpdatedJul 24, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 24, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
6.99%
73-84 months
▼
APR6.99%
Term73-84 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 73-84 months Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles Loan
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedJul 16, 2026
Details
model years 2019-2022
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles: model years 2019-2022 Loan
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2021 - 2023)
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loan
6.99%
85-96 Months
▼
APR6.99%
Term85-96 Months
Last UpdatedJul 25, 2026
Details
Rates for 2023 & Newer Models
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
Auto Loans
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedJul 25, 2026
Details
As low as; 2020 - 2022
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2012-2012 Loan
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedJul 24, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2015-2017 Loan
7.19%
36 Months
▼
APR7.19%
Term36 Months
Last UpdatedJul 24, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2016 - 2019
7.24%
49 - 60 months
▼
APR7.24%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
APR*
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2019 - 2020)
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
Auto Loans
7.24%
61 to 72 months
▼
APR7.24%
Term61 to 72 months
Last UpdatedJul 25, 2026
Details
As low as; 2018 - 2019
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2012-2012 Loan
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedJul 24, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Used Auto
7.49%
2018 and older
▼
APR7.49%
Term2018 and older
Last UpdatedJul 22, 2026
Details
As low as*
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2017 - 2018)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2012-2012 Loan
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedJul 24, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 23.54%
Auto Loans
7.74%
0 to 48 months
▼
APR7.74%
Term0 to 48 months
Last UpdatedJul 25, 2026
Details
As low as; 2017 & older
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedJul 24, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
Powered by
MonitorBankRates
Elk City New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
3.24%
up to 36 months
▼
APR3.24%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 24, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Vehicles 2025-2026 Loan
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedJul 16, 2026
Details
As Low As; **
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
3.74%
37 - 48 months
▼
APR3.74%
Term37 - 48 months
Last UpdatedJul 16, 2026
Details
APR*
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.24%
49 - 60 months
▼
APR4.24%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
APR*
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2022 or Newer Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedJul 24, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
New Auto
4.44%
2025 and newer
▼
APR4.44%
Term2025 and newer
Last UpdatedJul 22, 2026
Details
As low as*
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.49%
61 - 72 months
▼
APR4.49%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
APR*
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2022 or Newer Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedJul 24, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2022 or Newer Loan
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedJul 24, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loans 2023 - Newer
4.99%
73 - 84 month
▼
APR4.99%
Term73 - 84 month
Last UpdatedJul 16, 2026
Details
APR*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 49-60 months Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 24, 2026
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 7.83%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedJul 24, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedJul 24, 2026
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto
5.24%
Term/credit score determines rate
▼
APR5.24%
TermTerm/credit score determines rate
Last UpdatedJul 25, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 24, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2024 - 2026)
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles (2026) Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 25, 2026
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles (2026) Loan
5.74%
78 months
▼
APR5.74%
Term78 months
Last UpdatedJul 25, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
New Auto
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedJul 24, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
5.99%
61-72 months
▼
APR5.99%
Term61-72 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 61-72 months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2021 - 2023)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2017-2021 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 24, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2021 - 2023)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2017-2021 Loan
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedJul 24, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2019 - 2020)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2017-2021 Loan
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedJul 24, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
6.99%
73-84 months
▼
APR6.99%
Term73-84 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 73-84 months Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2021 - 2023)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2012-2012 Loan
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedJul 24, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2019 - 2020)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2012-2012 Loan
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedJul 24, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2017 - 2018)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2012-2012 Loan
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedJul 24, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
Powered by
MonitorBankRates
Elk City Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 24, 2026
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2022 or Newer Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedJul 24, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Vehicles 2024 and Older Loan
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedJul 16, 2026
Details
As Low As; **APR is the Annual Percentage Rate.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2022 or Newer Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedJul 24, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2022 or Newer Loan
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedJul 24, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 7.83%
Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedJul 24, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2021-2025 Loan
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedJul 24, 2026
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Used Auto
5.44%
2024 - 2022
▼
APR5.44%
Term2024 - 2022
Last UpdatedJul 22, 2026
Details
As low as*
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2024 - 2026)
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Used Vehicles (2022-2026) Loan
5.54%
66 months
▼
APR5.54%
Term66 months
Last UpdatedJul 25, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2021-2025 Loan
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedJul 24, 2026
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Used Vehicles (2019-2021) Loan
5.79%
66 months
▼
APR5.79%
Term66 months
Last UpdatedJul 25, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedJul 16, 2026
Details
model years 2023-2027
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles: model years 2023-2027 Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2021-2025 Loan
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedJul 24, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.24%
37 - 66 months
▼
APR6.24%
Term37 - 66 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2021 - 2023)
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2018-2020 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 24, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2017-2021 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedJul 24, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Used Auto
6.44%
2021 - 2019
▼
APR6.44%
Term2021 - 2019
Last UpdatedJul 22, 2026
Details
As low as*
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.49%
67 - 72 months
▼
APR6.49%
Term67 - 72 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2021 - 2023)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2017-2021 Loan
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedJul 24, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.74%
49 - 60 months
▼
APR6.74%
Term49 - 60 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2019 - 2020)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2017-2021 Loan
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedJul 24, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2015-2017 Loan
6.89%
30 Months
▼
APR6.89%
Term30 Months
Last UpdatedJul 24, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles Loan
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedJul 16, 2026
Details
model years 2019-2022
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used vehicles: model years 2019-2022 Loan
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2021 - 2023)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2012-2012 Loan
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedJul 24, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Used Vehicles 2015-2017 Loan
7.19%
36 Months
▼
APR7.19%
Term36 Months
Last UpdatedJul 24, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
7.24%
61 - 72 months
▼
APR7.24%
Term61 - 72 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2019 - 2020)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2012-2012 Loan
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedJul 24, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Used Auto
7.49%
2018 and older
▼
APR7.49%
Term2018 and older
Last UpdatedJul 22, 2026
Details
As low as*
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New & Used Autos
7.49%
49 - 60 months
▼
APR7.49%
Term49 - 60 months
Last UpdatedJul 25, 2026
Details
New & Used Autos (2017 - 2018)
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New or Used Vehicle 2012-2012 Loan
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedJul 24, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedJul 24, 2026
Details
Annual Percentage Rate (APR) as low as
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Elk City, OK Auto Loan Rate Trends
Compare local Elk City, OK auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — OK Avg
5.250%
▼ 0.014 vs 7 days ago
Oklahoma new auto rates fell 0.014 points over the past 7 days to 5.250% APR.
Used Auto Loan — OK Avg
5.803%
▲ 0.014 vs 7 days ago
Oklahoma used auto rates rose 0.014 points over the past 7 days to 5.803% APR.
As of Jul 27, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Elk City, Oklahoma auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Elk City, Oklahoma directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Elk City, Oklahoma. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in OK.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Elk City, Oklahoma
How does my credit score affect my car loan rate in Oklahoma?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Elk City, Oklahoma with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Oklahoma *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Elk City, Oklahoma typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Elk City, Oklahoma?
Based on our current data, some of the lowest auto loan rates available in Elk City, Oklahoma include:
- TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
- Credit Union One Of Oklahoma Credit Union: 3.24% (Auto Loans 2023 - Newer)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026 Loan)
- Tinker Federal Credit Union: 3.99% (Repo Vehicle Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Elk City, Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 25, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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