Auto Loan Rates in Foss, Oklahoma (OK) for June 2026
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Brian McKay
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Current auto loan rates in Foss, 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%, USE Federal Credit UnionUSE Federal Credit UnionA+5.0 ★Texas Ratio: 0.86% offering New & Used Autos at 3.49%, Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.66% offering New Vehicles 2025-2026* Loan at 3.74%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Foss borrowers have access to 21 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 Foss, Oklahoma. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Foss, Oklahoma & Surrounding Area
Foss Auto Loan Rates
Rates are based on a minimum credit score of 700.
Effective Date : 4-1-26
As low as
As Low As; *
As Low As; *APR is the Annual Percentage Rate.
Effective Date : 4-1-26
As low as
Annual Percentage Rate (APR)
As Low As; Rates are as low as 3.99% APR for well-qualified buyers for terms up to 36 months; terms up to 96 months are available at higher rates. Your annual percentage rate is based on your credit history. All auto loans are subject to underwriting, normal lending policies, and credit review. Adequate collateral and acceptable terms must be provided for all loans. Some restrictions may apply. Not to be combined with any other offers. Up to 125% financing is available based on creditworthiness, model year, and underwriting factors. Proof of income may be required. Membership eligibility is required. Existing WEOKIE auto loans are not eligible for refinancing. Super-Duty Trucks, Commercial Use Vehicles, and Classic Cars are excluded from this offer. If you choose to defer your payment for 60 days, interest will continue to accrue during this time.
Effective Date : 4-1-26
APR*
Rates are based on a minimum credit score of 700.
As low as
Effective Date : 4-1-26
As Low As;*
As Low As; **
Effective Date : 4-1-26
Effective Date : 4-1-26
As low as
Rates as low as 4.75% APR for terms up to 72 months. Terms & conditions apply. See a MECU representative for details.
Effective Date : 4-1-26
Effective Date : 4-1-26
Rates are based on a minimum credit score of 700.
As Low As
As Low As
Effective Date : 4-1-26
As Low As;*
As Low As;*
Annual Percentage Rate (APR)
As Low As; 100% Purchase price or NADA retail value, plus tag, title, and tax
New & Used Autos (2024 - 2026)
Rates As Low As
As Low As; Minimum Loan Amount:
Rates As Low As
As Low As; Minimum Loan Amount:
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Rates As Low As
Effective Date : 4-1-26
Rates As Low As
As Low As; Minimum Loan Amount: $20,000
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Rates are based on a minimum credit score of 700.
model years 2023-2027. Rates are based on a minimum credit score of 700.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
New & Used Autos (2021 - 2023)
Effective Date : 4-1-26
1% added to rate if over 50,000 miles
1% added to rate if over 50,000 miles
As Low As;*
As Low As; 100% NADA retail value, plus tag, title, and tax
New & Used Autos (2021 - 2023)
As Low As; 2023 - 2025
New & Used Autos (2019 - 2020)
As Low As; 2023 - 2025
Effective Date : 4-1-26
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
New & Used Autos (2021 - 2023)
As Low As; 2020 - 2022
Rates are based on a minimum credit score of 700.
model years 2019-2022. Rates are based on a minimum credit score of 700.
New & Used Autos (2019 - 2020)
As Low As; 2018 - 2019
Effective Date : 4-1-26
As Low As;*
New & Used Autos (2017 - 2018)
As Low As; 2017 & older
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Foss New Auto Auto Loan Rates
Rates are based on a minimum credit score of 700.
Effective Date : 4-1-26
As low as
As Low As; *
As Low As; *APR is the Annual Percentage Rate.
Effective Date : 4-1-26
Rates are based on a minimum credit score of 700.
As low as
Effective Date : 4-1-26
As Low As;*
Effective Date : 4-1-26
Effective Date : 4-1-26
Rates are based on a minimum credit score of 700.
As Low As
As Low As; 100% Purchase price or NADA retail value, plus tag, title, and tax
New & Used Autos (2024 - 2026)
Rates As Low As
Rates As Low As
Rates are based on a minimum credit score of 700.
New & Used Autos (2021 - 2023)
1% added to rate if over 50,000 miles
New & Used Autos (2021 - 2023)
New & Used Autos (2019 - 2020)
New & Used Autos (2021 - 2023)
Rates are based on a minimum credit score of 700.
New & Used Autos (2019 - 2020)
New & Used Autos (2017 - 2018)
Foss Used Auto Auto Loan Rates
As Low As; *
As low as
As Low As; **
As low as
As Low As
As Low As;*
New & Used Autos (2024 - 2026)
Rates As Low As
Rates As Low As
model years 2023-2027. Rates are based on a minimum credit score of 700.
New & Used Autos (2021 - 2023)
1% added to rate if over 50,000 miles
As Low As;*
As Low As; 100% NADA retail value, plus tag, title, and tax
New & Used Autos (2021 - 2023)
New & Used Autos (2019 - 2020)
New & Used Autos (2021 - 2023)
model years 2019-2022. Rates are based on a minimum credit score of 700.
New & Used Autos (2019 - 2020)
As Low As;*
New & Used Autos (2017 - 2018)
Foss, OK Auto Loan Rate Trends
Compare local Foss, 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.
Oklahoma new auto rates fell 0.124 points over the past 7 days to 5.266% APR.
Oklahoma used auto rates fell 0.183 points over the past 7 days to 5.676% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Foss, 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 Foss, 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 Foss, 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 Foss, Oklahoma
How does my credit score affect my car loan rate in Oklahoma?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Foss, Oklahoma?
- 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)
- USE Federal Credit Union: 3.49% (New & Used Autos)
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026* Loan)
