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  9. Auto Loan Rate Trends

Hennepin, Oklahoma Best Auto Loan Rates - October 2026

Hennepin, Oklahoma auto loan rates from lenders serving Oklahoma range from 2.99% to 6.79% APR, verified by MonitorBankRates as of October 23, 2026. Current auto loan rates in Hennepin, Oklahoma include TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 2.55%Rate verified Oct 19, 2026 offering New Vehicle Loan at 2.99%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.87%Rate verified Oct 23, 2026 offering New Auto Loan at 3.34%, Multi-States Credit UnionMulti-States Credit UnionA+5.0 ★Texas Ratio: 2.17%Rate verified Oct 19, 2026 offering New Vehicles Loan at 3.49%, USE Federal Credit UnionUSE Federal Credit UnionA+5.0 ★Texas Ratio: 0.79%Rate verified Oct 23, 2026 offering New & Used Autos at 3.74%, Credit Union One Of Oklahoma Credit UnionCredit Union One Of Oklahoma Credit UnionA5.0 ★Texas Ratio: 8.42%Rate verified Oct 19, 2026 offering Auto Loan at 3.74%. Auto loan rates as of October 23, 2026 according to verified data from MonitorBankRates.

Hennepin borrowers have access to 38 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, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Hennepin, Oklahoma. Auto Loan Rates Last Updated and Verified: October 23, 2026

Compare Auto Loan Rates Today in Hennepin, Oklahoma & Surrounding Area

Hennepin 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: 2.55%
New Vehicle Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedOct 19, 2026
Details

Minimum credit score 700

Rate History
No change since Oct 14, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Oct 14, 2026: 2.99% APROct 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedOct 19, 2026
Details

Rates based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto Loan
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 9 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 25, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Vehicles Loan
3.49%
Up To 7 Years
▼
APR3.49%
TermUp To 7 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026; Low As Rate is based on a 3 year term; Terms may be based on credit score, model year and mileage; APR range shown as as low as 3.49%

Rate History
1 change since Sep 14, 2026 · 3.74% → 3.49% ▼ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 14, 2026: 3.74% APROct 19, 2026: 3.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.49%▼ from 3.74%
  • Sep 14, 20263.74%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New & Used Autos
3.74%
Up to 36 months
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 23, 2026
Details

As Low As; Auto purchases only with a maximum term of 36 months; pre-approval rate; requires direct deposit with USE Federal Credit Union or ACH automatic payments; maximum LTV 80%

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 25, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
3.74%
up to 36 months
▼
APR3.74%
Termup to 36 months
Last UpdatedOct 19, 2026
Details

Model Year: 2023 - Newer; Effective Date: 10-16-26

Rate History
1 change since Sep 14, 2026 · 3.99% → 3.74% ▼ 0.25 pts · high 3.99% / low 3.74%
3.24%3.87%4.49%Sep 14, 2026: 3.99% APROct 19, 2026: 3.74% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.74%▼ from 3.99%
  • Sep 14, 20263.99%first recorded
OKLAHOMAS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Auto Loan
3.74%
36 months
▼
APR3.74%
Term36 months
Last UpdatedOct 19, 2026
Details

As Low As; Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000; Vantage Score 740+; Max term 36 months

Rate History
No change since Sep 30, 2026 · 3.74% APR · checked 5 times
3.24%3.74%4.24%Sep 30, 2026: 3.74% APRSep 30, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
3.75%
24 months
▼
APR3.75%
Term24 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 9.75% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 3.75% APR · checked 10 times
3.25%3.75%4.25%Sep 17, 2026: 3.75% APRSep 17, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto Loan
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 9 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedOct 20, 2026
Details

Fixed Rate

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 3.99% - 11.99%. Model Year: 2023 & Newer; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 19, 2026: 3.99% APROct 19, 2026Oct 25, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Credit Union Owned Autos - View Current Listings
3.99%
up to 84 Months
▼
APR3.99%
Interest Rate3.99%
Termup to 84 Months
Last UpdatedOct 19, 2026
Details

Range: 3.99% - 5.99% APR; Flexible Terms; Low Rates; Effective 10-16-26

Rate History
No change since Oct 19, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 19, 2026: 3.99% APROct 19, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicle Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedOct 19, 2026
Details

Minimum credit score 700

Rate History
No change since Oct 14, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Oct 14, 2026: 3.99% APROct 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedOct 19, 2026
Details

Rates based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 10.00% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 10 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APRSep 17, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - New Business Vehicle
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles

Rate History
No change since Oct 20, 2026 · 4.09% APR
3.59%4.09%4.59%Oct 20, 2026: 4.09% APROct 20, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto Loan
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 9 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - New Vehicle
4.19%
up to 36 months
▼
APR4.19%
Termup to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 20, 2026: 4.19% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.19%
12-36 Months
▼
APR4.19%
Term12-36 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 3.89% → 4.19% ▲ 0.30 pts · high 4.19% / low 3.89%
3.39%4.04%4.69%Sep 30, 2026: 3.89% APROct 20, 2026: 4.19% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20264.19%▲ from 3.89%
  • Sep 30, 20263.89%first recorded
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Vehicle Loan
4.24%
Up To 6 Years
▼
APR4.24%
TermUp To 6 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 and Older; Low As Rate is based on a 5 year term; Terms may be based on credit score, model year and mileage

Rate History
No change since Oct 19, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 19, 2026: 4.24% APROct 19, 2026Oct 25, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedOct 19, 2026
Details

Model Year: 2023 - Newer; Effective Date: 10-16-26

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.24% ▼ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.49% APROct 19, 2026: 4.24% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.24%▼ from 4.49%
  • Sep 14, 20264.49%first recorded
OKLAHOMAS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Auto Loan
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 19, 2026
Details

Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000; Vantage Score 740+; Max term 60 months

Rate History
No change since Sep 30, 2026 · 4.24% APR · checked 5 times
3.74%4.24%4.74%Sep 30, 2026: 4.24% APRSep 30, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 10.25% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 10 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 25, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Vehicle Loans 48 months or less
4.45%
48 months
▼
APR4.45%
Term48 months
Last UpdatedOct 23, 2026
Details

As Low As; APR range 4.45% - 18%

Rate History
No change since Oct 4, 2026 · 4.45% APR · checked 5 times
3.95%4.45%4.95%Oct 4, 2026: 4.45% APROct 4, 2026Oct 25, 2026
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New & Used Autos
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedOct 23, 2026
Details

As Low As; APR range: 4.49% - 12.99%; Rates based on individual credit score and term selected; If ACH is not utilized, add .25% to APR

Rate History
1 change since Sep 12, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
3.49%4.24%4.99%Sep 12, 2026: 3.99% APROct 15, 2026: 4.49% APRSep 12, 2026Oct 25, 2026
  • Oct 15, 20264.49%▲ from 3.99%
  • Sep 12, 20263.99%first recorded
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★ Texas Ratio: 8.51%
Auto Loans
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedOct 19, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.99% → 4.49% ▼ 1.50 pts · high 5.99% / low 4.49%
2.99%5.24%7.49%Sep 14, 2026: 5.99% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.49%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedOct 19, 2026
Details

Model Year: 2019 - 2022; Effective Date: 10-16-26

Rate History
1 change since Sep 14, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
3.49%4.24%4.99%Sep 14, 2026: 3.99% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 10.50% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 10 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Auto Loan - 24 Months
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedOct 23, 2026
Details

As Low As; Auto Loans (Vehicle Loans)

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Auto Loan - 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedOct 23, 2026
Details

As Low As; Auto Loans (Vehicle Loans)

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 23, 2026: 4.50% APROct 23, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 23, 2026: 4.50% APROct 23, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loan
4.50%
24-36 months
▼
APR4.50%
Term24-36 months
Last UpdatedOct 23, 2026
Details

As Low As; Guaranteed Better Loan Advantage; No payment for 90 days; Flexible monthly terms 24-84; Rates effective as of September 1, 2026; subject to change

Rate History
No change since Oct 23, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 23, 2026: 4.50% APROct 23, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - New Vehicle
4.59%
37-60 months
▼
APR4.59%
Term37-60 months
Last UpdatedOct 20, 2026
Details

As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.59% APR
4.09%4.59%5.09%Oct 20, 2026: 4.59% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
37-60 Months
▼
APR4.59%
Term37-60 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 4.29% → 4.59% ▲ 0.30 pts · high 4.59% / low 4.29%
3.79%4.44%5.09%Sep 30, 2026: 4.29% APROct 20, 2026: 4.59% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20264.59%▲ from 4.29%
  • Sep 30, 20264.29%first recorded
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto Loan
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 9 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 25, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Vehicle Loans 49 thru 66 months
4.70%
66 months
▼
APR4.70%
Term66 months
Last UpdatedOct 23, 2026
Details

As Low As; APR range 4.70% - 18%

Rate History
No change since Oct 8, 2026 · 4.70% APR · checked 4 times
4.20%4.70%5.20%Oct 8, 2026: 4.70% APROct 8, 2026Oct 25, 2026
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New/Used Auto
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Loans; **84 month term limited to a loan balance greater than $20,000.00

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 25, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
4.74%
49 - 60 months
▼
APR4.74%
Term49 - 60 months
Last UpdatedOct 19, 2026
Details

Model Year: 2023 - Newer; Effective Date: 10-16-26

Rate History
1 change since Sep 14, 2026 · 4.99% → 4.74% ▼ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.99% APROct 13, 2026: 4.74% APRSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.74%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 24 months
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 10.75% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
1 change since Sep 14, 2026 · 4.54% → 4.79% ▲ 0.25 pts · high 4.79% / low 4.54%
4.04%4.67%5.29%Sep 14, 2026: 4.54% APROct 23, 2026: 4.79% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.79%▲ from 4.54%
  • Sep 14, 20264.54%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - New Vehicle
4.89%
61-72 months
▼
APR4.89%
Term61-72 months
Last UpdatedOct 20, 2026
Details

As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 20, 2026: 4.89% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.89%
61-72 Months
▼
APR4.89%
Term61-72 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 4.59% → 4.89% ▲ 0.30 pts · high 4.89% / low 4.59%
4.09%4.74%5.39%Sep 30, 2026: 4.59% APROct 20, 2026: 4.89% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20264.89%▲ from 4.59%
  • Sep 30, 20264.59%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - 2025
4.90%
up to 48 months
▼
APR4.90%
Termup to 48 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2025

Rate History
1 change since Sep 14, 2026 · 4.60% → 4.90% ▲ 0.30 pts · high 4.90% / low 4.60%
4.10%4.75%5.40%Sep 14, 2026: 4.60% APROct 4, 2026: 4.90% APRSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.90%▲ from 4.60%
  • Sep 14, 20264.60%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - NEW! 2026
4.90%
up to 48 months
▼
APR4.90%
Termup to 48 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2026

Rate History
No change since Oct 12, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Oct 12, 2026: 4.90% APROct 12, 2026Oct 25, 2026
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
Vehicles Loan
4.99%
0 - 84 months
▼
APR4.99%
Term0 - 84 months
Last UpdatedOct 23, 2026
Details

APR range: 4.99 - 17.00 %; rate based on creditworthiness and term of loan; rates effective as of 12/15/2025

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 11 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 25, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Auto Loan - Up to 36 Months
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedOct 22, 2026
Details

As Low As; APR as high as 17.99%; APR includes 0.25% discount for automatic payments; Rates and terms subject to LTV, mileage, credit score, and model year restrictions

Rate History
No change since Oct 22, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 22, 2026: 4.99% APROct 22, 2026Oct 25, 2026
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Autos
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedOct 19, 2026
Details

Amount: 100% of MSRP/NADA/Kelley/Appraisal

Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.99% ▲ 0.74 pts · high 4.99% / low 4.25%
3.51%4.62%5.73%Sep 14, 2026: 4.25% APRSep 18, 2026: 4.75% APROct 19, 2026: 4.99% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.99%▲ from 4.75%
  • Sep 18, 20264.75%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedOct 19, 2026
Details

Model Year: 2023 - Newer; Effective Date: 10-16-26

Rate History
1 change since Sep 14, 2026 · 5.24% → 4.99% ▼ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 5.24% APROct 13, 2026: 4.99% APRSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.99%▼ from 5.24%
  • Sep 14, 20265.24%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedOct 19, 2026
Details

Model Year: 2019 - 2022; Effective Date: 10-16-26

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
3.99%4.74%5.49%Sep 14, 2026: 4.49% APROct 19, 2026: 4.99% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicle Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedOct 19, 2026
Details

Minimum credit score 700

Rate History
No change since Oct 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 14, 2026: 4.99% APROct 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicles Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedOct 19, 2026
Details

Rates based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 25, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Auto Loan
4.99%
75 months
▼
APR4.99%
Term75 months
Last UpdatedOct 19, 2026
Details

Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000; Vantage Score 740+; Max term 75 months

Rate History
No change since Sep 30, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 30, 2026: 4.99% APRSep 30, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 11.00% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 10 times
4.50%5.00%5.50%Sep 17, 2026: 5.00% APRSep 17, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 36 months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 11.00% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 25, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Depending on collateral value and borrower credit history

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 11 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 25, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Depending on collateral value and borrower credit history

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 11 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Auto Loan - 48 Months
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Auto Loans (Vehicle Loans)

Rate History
No change since Oct 13, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 23, 2026: 5.00% APROct 23, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
5.04%
72 Months
▼
APR5.04%
Term72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
1 change since Sep 14, 2026 · 4.79% → 5.04% ▲ 0.25 pts · high 5.04% / low 4.79%
4.29%4.92%5.54%Sep 14, 2026: 4.79% APROct 23, 2026: 5.04% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20265.04%▲ from 4.79%
  • Sep 14, 20264.79%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.30%
Auto Loan
5.05%
3 year
▼
APR5.05%
Term3 year
Last UpdatedOct 19, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.83% → 5.05% ▲ 0.22 pts · high 5.05% / low 4.83%
4.33%4.94%5.55%Sep 18, 2026: 4.83% APROct 1, 2026: 5.05% APRSep 18, 2026Oct 25, 2026
  • Oct 1, 20265.05%▲ from 4.83%
  • Sep 18, 20264.83%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - Used Vehicle
5.09%
up to 36 months
▼
APR5.09%
Termup to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 5.09% APR
4.59%5.09%5.59%Oct 20, 2026: 5.09% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.09%
12-36 Months
▼
APR5.09%
Term12-36 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 4.79% → 5.09% ▲ 0.30 pts · high 5.09% / low 4.79%
4.29%4.94%5.59%Sep 30, 2026: 4.79% APROct 20, 2026: 5.09% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20265.09%▲ from 4.79%
  • Sep 30, 20264.79%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - Used Business Vehicle
5.19%
Up to 36 months
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles

Rate History
No change since Oct 20, 2026 · 5.19% APR
4.69%5.19%5.69%Oct 20, 2026: 5.19% APROct 20, 2026Oct 25, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Vehicle Loans 67 thru 78 months
5.20%
78 months
▼
APR5.20%
Term78 months
Last UpdatedOct 23, 2026
Details

As Low As; APR range 5.20% - 18%

Rate History
No change since Oct 8, 2026 · 5.20% APR · checked 4 times
4.70%5.20%5.70%Oct 8, 2026: 5.20% APROct 8, 2026Oct 25, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedOct 20, 2026
Details

As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history

Rate History
2 changes since Sep 18, 2026 · 5.39% → 5.24% ▼ 0.15 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APROct 20, 2026: 5.24% APRSep 18, 2026Oct 25, 2026
  • Oct 20, 20265.24%▼ from 5.49%
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Auto Loan - New/Used Vehicles (2024-2026)
5.24%
(up to) 84 months
▼
APR5.24%
Term(up to) 84 months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of October 1, 2026

Rate History
No change since Oct 23, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 23, 2026: 5.24% APROct 23, 2026Oct 25, 2026
First Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Vehicle Loans
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedOct 23, 2026
Details

As Low As; *Longer terms may be available. Please call for more information.

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APROct 15, 2026: 5.24% APRSep 14, 2026Oct 25, 2026
  • Oct 15, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
5.24%
37-60 Months
▼
APR5.24%
Term37-60 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 5.24% - 12.99%. Model Year: 2023 & Newer; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 19, 2026: 5.24% APROct 19, 2026Oct 25, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Auto Loan - 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedOct 22, 2026
Details

As Low As; APR as high as 16.99%; APR includes 0.25% discount for automatic payments; Rates and terms subject to LTV, mileage, credit score, and model year restrictions

Rate History
No change since Oct 22, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 22, 2026: 5.24% APROct 22, 2026Oct 25, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
5.24%
49 - 60 months
▼
APR5.24%
Term49 - 60 months
Last UpdatedOct 19, 2026
Details

Model Year: 2019 - 2022; Effective Date: 10-16-26

Rate History
2 changes since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.74%
4.24%4.99%5.74%Sep 14, 2026: 4.99% APROct 13, 2026: 4.74% APROct 19, 2026: 5.24% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20265.24%▲ from 4.74%
  • Oct 13, 20264.74%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
5.24%
36 - 60 months
▼
APR5.24%
Term36 - 60 months
Last UpdatedOct 22, 2026
Details

Year: 2025 - 2027; APR range: 5.24%-13.74%; with applied discounts

Rate History
No change since Oct 22, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 22, 2026: 5.24% APROct 22, 2026Oct 25, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Auto Loan
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedOct 19, 2026
Details

Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000; Vantage Score 740+; Max term 84 months

Rate History
No change since Sep 30, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 30, 2026: 5.24% APRSep 30, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 48 months
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 11.25% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.30%
Auto Loan
5.28%
4 year
▼
APR5.28%
Term4 year
Last UpdatedOct 19, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.98% → 5.28% ▲ 0.30 pts · high 5.28% / low 4.98%
4.48%5.13%5.78%Sep 14, 2026: 4.98% APROct 1, 2026: 5.28% APRSep 14, 2026Oct 25, 2026
  • Oct 1, 20265.28%▲ from 4.98%
  • Sep 14, 20264.98%first recorded
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
1 change since Sep 14, 2026 · 5.04% → 5.29% ▲ 0.25 pts · high 5.29% / low 5.04%
4.54%5.17%5.79%Sep 14, 2026: 5.04% APROct 23, 2026: 5.29% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20265.29%▲ from 5.04%
  • Sep 14, 20265.04%first recorded
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - New
5.39%
Up to 36 Months
▼
APR5.39%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $0 - $6,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - New
5.39%
Up to 48 Months
▼
APR5.39%
TermUp to 48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $7,000 - $11,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - New
5.39%
Up to 60 Months
▼
APR5.39%
TermUp to 60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $12,000 - $14,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - New
5.39%
Up to 72 Months
▼
APR5.39%
TermUp to 72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $15,000 - $19,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - Used
5.39%
Up to 36 Months
▼
APR5.39%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $0 - $6,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 6 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - Used
5.39%
Up to 48 Months
▼
APR5.39%
TermUp to 48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $7,000 - $11,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 6 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - Used
5.39%
Up to 60 Months
▼
APR5.39%
TermUp to 60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $12,000 - $14,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 6 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - Used
5.39%
Up to 72 Months
▼
APR5.39%
TermUp to 72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $15,000 - 19,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Auto Loan - Used Vehicles (2021-2023)
5.39%
(up to) 84 months
▼
APR5.39%
Term(up to) 84 months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Oct 13, 2026: 5.39% APROct 13, 2026Oct 25, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.44%
60 months
▼
APR5.44%
Term60 months
Last UpdatedOct 20, 2026
Details

As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history

Rate History
2 changes since Sep 18, 2026 · 5.59% → 5.44% ▼ 0.15 pts · high 5.69% / low 5.44%
4.94%5.57%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APROct 20, 2026: 5.44% APRSep 18, 2026Oct 25, 2026
  • Oct 20, 20265.44%▼ from 5.69%
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New & Used Autos
5.49%
202 months
▼
APR5.49%
Term202 months
Last UpdatedOct 23, 2026
Details

Term: 2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up to 48 months; As Low As; Model year tiers: 2025 and newer up to 72 months, 2022 - 2024 up to 60 months, 2021 and older up to 48 months; pre-approval rate; maximum LTV 80%

Rate History
1 change since Sep 25, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 25, 2026: 5.24% APROct 4, 2026: 5.49% APRSep 25, 2026Oct 25, 2026
  • Oct 4, 20265.49%▲ from 5.24%
  • Sep 25, 20265.24%first recorded
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Vehicle (Current & Previous Year) Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 23, 2026
Details

As Low As; 100% Purchase price or NADA retail value, plus tag, title, and tax

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 10 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Vehicle Loan - 48 Months
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedOct 23, 2026
Details

Payment/$1,000: $23.25; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto

Rate History
No change since Oct 23, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 23, 2026: 5.49% APROct 23, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Auto Loan - New Vehicles (2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2026; Rates effective as of 10/1/2026; Apply Online

Rate History
No change since Oct 19, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 19, 2026: 5.49% APROct 19, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 5.49% - 13.99%. Model Year: 2023 & Newer; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 19, 2026: 5.49% APROct 19, 2026Oct 25, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Auto Loan - 60 Months
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedOct 22, 2026
Details

As Low As; APR as high as 17.99%; APR includes 0.25% discount for automatic payments; Rates and terms subject to LTV, mileage, credit score, and model year restrictions

Rate History
No change since Oct 22, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 22, 2026: 5.49% APROct 22, 2026Oct 25, 2026
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Autos
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedOct 19, 2026
Details

Amount: 100% of MSRP/NADA/Kelley/Appraisal

Rate History
2 changes since Sep 14, 2026 · 4.75% → 5.49% ▲ 0.74 pts · high 5.49% / low 4.75%
4.01%5.12%6.23%Sep 14, 2026: 4.75% APRSep 18, 2026: 5.25% APROct 19, 2026: 5.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20265.49%▲ from 5.25%
  • Sep 18, 20265.25%▲ from 4.75%
  • Sep 14, 20264.75%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
5.49%
73 - 84 month
▼
APR5.49%
Term73 - 84 month
Last UpdatedOct 19, 2026
Details

Model Year: 2023 - Newer; Effective Date: 10-16-26

Rate History
1 change since Sep 22, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 22, 2026: 4.99% APROct 19, 2026: 5.49% APRSep 22, 2026Oct 25, 2026
  • Oct 19, 20265.49%▲ from 4.99%
  • Sep 22, 20264.99%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedOct 19, 2026
Details

Model Year: 2019 - 2022; Effective Date: 10-16-26

Rate History
2 changes since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 14, 2026: 5.24% APROct 13, 2026: 4.99% APROct 19, 2026: 5.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20265.49%▲ from 4.99%
  • Oct 13, 20264.99%▼ from 5.24%
  • Sep 14, 20265.24%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.30%
Auto Loan
5.49%
5 year
▼
APR5.49%
Term5 year
Last UpdatedOct 19, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.17% → 5.49% ▲ 0.32 pts · high 5.49% / low 5.17%
4.67%5.33%5.99%Sep 14, 2026: 5.17% APROct 1, 2026: 5.49% APRSep 14, 2026Oct 25, 2026
  • Oct 1, 20265.49%▲ from 5.17%
  • Sep 14, 20265.17%first recorded
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
5.49%
36 - 60 months or less
▼
APR5.49%
Term36 - 60 months or less
Last UpdatedOct 22, 2026
Details

Term: 36 - 60 months or less; Year: 2020 - 2024; APR range: 5.49%-13.99%; with applied discounts

Rate History
No change since Oct 22, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 22, 2026: 5.49% APROct 22, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 11.50% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 5.50% APR · checked 10 times
5.00%5.50%6.00%Sep 17, 2026: 5.50% APRSep 17, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 60 months
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 11.50% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Auto Loan
5.54%
36 months
▼
APR5.54%
Interest Rate5.54%
Term36 months
Last UpdatedOct 19, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.54% APR · checked 5 times
5.04%5.54%6.04%Sep 18, 2026: 5.54% APRSep 18, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Auto Loan
5.54%
48 months
▼
APR5.54%
Interest Rate5.54%
Term48 months
Last UpdatedOct 19, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.54% APR · checked 5 times
5.04%5.54%6.04%Sep 18, 2026: 5.54% APRSep 18, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Auto Loan
5.54%
60 months
▼
APR5.54%
Interest Rate5.54%
Term60 months
Last UpdatedOct 19, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.54% APR · checked 5 times
5.04%5.54%6.04%Sep 18, 2026: 5.54% APRSep 18, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Auto Loan - Used Vehicles (2022-2026)
5.54%
66 months
▼
APR5.54%
Term66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2022-2026; Rates effective as of 10/1/2026; Apply Online

Rate History
No change since Oct 19, 2026 · 5.54% APR
5.04%5.54%6.04%Oct 19, 2026: 5.54% APROct 19, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - Used Vehicle
5.59%
37-60 months
▼
APR5.59%
Term37-60 months
Last UpdatedOct 20, 2026
Details

As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 5.59% APR
5.09%5.59%6.09%Oct 20, 2026: 5.59% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.59%
37-60 Months
▼
APR5.59%
Term37-60 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 5.29% → 5.59% ▲ 0.30 pts · high 5.59% / low 5.29%
4.79%5.44%6.09%Sep 30, 2026: 5.29% APROct 20, 2026: 5.59% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20265.59%▲ from 5.29%
  • Sep 30, 20265.29%first recorded
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Vehicle Loan - 60 Months
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedOct 23, 2026
Details

Payment/$1,000: $19.14; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto

Rate History
No change since Oct 23, 2026 · 5.59% APR
5.09%5.59%6.09%Oct 23, 2026: 5.59% APROct 23, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Auto Loan
5.59%
72 months
▼
APR5.59%
Interest Rate5.59%
Term72 months
Last UpdatedOct 19, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.59% APR · checked 5 times
5.09%5.59%6.09%Sep 18, 2026: 5.59% APRSep 18, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Auto Loan
5.59%
78 months
▼
APR5.59%
Interest Rate5.59%
Term78 months
Last UpdatedOct 19, 2026
Details

As Low As; Minimum Loan Amount: $12,000

Rate History
No change since Sep 18, 2026 · 5.59% APR · checked 5 times
5.09%5.59%6.09%Sep 18, 2026: 5.59% APRSep 18, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - 2025
5.60%
up to 60 months
▼
APR5.60%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2025

Rate History
1 change since Sep 14, 2026 · 5.10% → 5.60% ▲ 0.50 pts · high 5.60% / low 5.10%
4.60%5.35%6.10%Sep 14, 2026: 5.10% APROct 4, 2026: 5.60% APRSep 14, 2026Oct 25, 2026
  • Oct 4, 20265.60%▲ from 5.10%
  • Sep 14, 20265.10%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - NEW! 2026
5.60%
up to 60 months
▼
APR5.60%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2026

Rate History
No change since Oct 12, 2026 · 5.60% APR · checked 3 times
5.10%5.60%6.10%Oct 12, 2026: 5.60% APROct 12, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - Used Vehicle
5.69%
61-72 months
▼
APR5.69%
Term61-72 months
Last UpdatedOct 20, 2026
Details

As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 5.69% APR
5.19%5.69%6.19%Oct 20, 2026: 5.69% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.69%
61-72 Months
▼
APR5.69%
Term61-72 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 5.39% → 5.69% ▲ 0.30 pts · high 5.69% / low 5.39%
4.89%5.54%6.19%Sep 30, 2026: 5.39% APROct 20, 2026: 5.69% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20265.69%▲ from 5.39%
  • Sep 30, 20265.39%first recorded
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Vehicle Loans 79 thru 90 months
5.70%
90 months
▼
APR5.70%
Term90 months
Last UpdatedOct 23, 2026
Details

As Low As; APR range 5.70% - 18%

Rate History
No change since Oct 8, 2026 · 5.70% APR · checked 4 times
5.20%5.70%6.20%Oct 8, 2026: 5.70% APROct 8, 2026Oct 25, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Auto Loan - Autos 2022-New
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedOct 23, 2026
Details

Rate History
No change since Oct 22, 2026 · 5.74% APR · checked 2 times
5.24%5.74%6.24%Oct 22, 2026: 5.74% APROct 22, 2026Oct 25, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Autos 2022-New
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedOct 23, 2026
Details

As Low As; Advertised headline rate on Auto Loans page; Rates as of 10/22/2026

Rate History
No change since Oct 12, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Auto Loan - New Vehicles (2026)
5.74%
78 months
▼
APR5.74%
Term78 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2026; Rates effective as of 10/1/2026; Apply Online

Rate History
No change since Oct 19, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 19, 2026: 5.74% APROct 19, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
5.74%
73-84 Months
▼
APR5.74%
Term73-84 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 5.74% - 15.99%. Model Year: 2023 & Newer; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 19, 2026: 5.74% APROct 19, 2026Oct 25, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Auto Loan - 72 Months
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedOct 22, 2026
Details

As Low As; APR as high as 14.24%; APR includes 0.25% discount for automatic payments; Rates and terms subject to LTV, mileage, credit score, and model year restrictions

Rate History
No change since Oct 22, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 22, 2026: 5.74% APROct 22, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
5.74%
72 - 84 months or less
▼
APR5.74%
Term72 - 84 months or less
Last UpdatedOct 22, 2026
Details

Term: 72 - 84 months or less; Year: 2025 - 2027; APR range: 5.74%- 14.24%; with applied discounts

Rate History
No change since Oct 22, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 22, 2026: 5.74% APROct 22, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Auto Loan - 60 Months
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Auto Loans (Vehicle Loans)

Rate History
No change since Oct 13, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 23, 2026: 5.75% APROct 23, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - New Business Vehicle
5.79%
37-60 months
▼
APR5.79%
Term37-60 months
Last UpdatedOct 20, 2026
Details

As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles

Rate History
No change since Oct 20, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 20, 2026: 5.79% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - New Business Vehicle
5.79%
61-72 months
▼
APR5.79%
Term61-72 months
Last UpdatedOct 20, 2026
Details

As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles

Rate History
No change since Oct 20, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 20, 2026: 5.79% APROct 20, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Auto Loan - Used Vehicles (2019-2021)
5.79%
66 months
▼
APR5.79%
Term66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2021; Rates effective as of 10/1/2026; Apply Online

Rate History
No change since Oct 19, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 19, 2026: 5.79% APROct 19, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - 2025
5.80%
up to 72 months
▼
APR5.80%
Termup to 72 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2025; Loan amount: $20k+

Rate History
1 change since Sep 14, 2026 · 5.30% → 5.80% ▲ 0.50 pts · high 5.80% / low 5.30%
4.80%5.55%6.30%Sep 14, 2026: 5.30% APROct 4, 2026: 5.80% APRSep 14, 2026Oct 25, 2026
  • Oct 4, 20265.80%▲ from 5.30%
  • Sep 14, 20265.30%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - NEW! 2026
5.80%
up to 72 months
▼
APR5.80%
Termup to 72 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2026; Loan amount: $20k+

Rate History
No change since Oct 12, 2026 · 5.80% APR · checked 3 times
5.30%5.80%6.30%Oct 12, 2026: 5.80% APROct 12, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Auto Loan
5.84%
84 months
▼
APR5.84%
Interest Rate5.84%
Term84 months
Last UpdatedOct 19, 2026
Details

As Low As; Minimum Loan Amount: $20,000

Rate History
No change since Sep 14, 2026 · 5.84% APR · checked 6 times
5.34%5.84%6.34%Sep 14, 2026: 5.84% APRSep 14, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
Auto Loan - New Vehicles
5.89%
Up to 84 months
▼
APR5.89%
TermUp to 84 months
Last UpdatedOct 23, 2026
Details

APR range: 5.89% to 15.59%; Rates determined by credit score; Limits based on income and ability to pay if qualified

Rate History
No change since Oct 13, 2026 · 5.89% APR · checked 3 times
5.39%5.89%6.39%Oct 13, 2026: 5.89% APROct 13, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Used Vehicles - 2021-2025 Loan
5.89%
60 Months
▼
APR5.89%
Term60 Months
Last UpdatedOct 23, 2026
Details

Model Year: 2021-2025; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 5.89% APR · checked 10 times
5.39%5.89%6.39%Sep 14, 2026: 5.89% APRSep 14, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - 2025
5.95%
up to 84 months
▼
APR5.95%
Termup to 84 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2025; Loan amount: $40k+

Rate History
1 change since Sep 14, 2026 · 5.45% → 5.95% ▲ 0.50 pts · high 5.95% / low 5.45%
4.95%5.70%6.45%Sep 14, 2026: 5.45% APROct 4, 2026: 5.95% APRSep 14, 2026Oct 25, 2026
  • Oct 4, 20265.95%▲ from 5.45%
  • Sep 14, 20265.45%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - NEW! 2026
5.95%
up to 84 months
▼
APR5.95%
Termup to 84 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2026; Loan amount: $40k+

Rate History
No change since Oct 12, 2026 · 5.95% APR · checked 3 times
5.45%5.95%6.45%Oct 12, 2026: 5.95% APROct 12, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loans
5.95%
up to 60 months
▼
APR5.95%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

As Low As; Loans under $40,000

Rate History
No change since Oct 23, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 23, 2026: 5.95% APROct 23, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Auto Loan
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedOct 20, 2026
Details

Fixed Rate

Rate History
1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74%
5.24%5.87%6.49%Sep 18, 2026: 5.74% APRSep 27, 2026: 5.99% APRSep 18, 2026Oct 25, 2026
  • Sep 27, 20265.99%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Auto Loan - Autos 2022-New
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedOct 23, 2026
Details

Rate History
No change since Oct 22, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 22, 2026: 5.99% APROct 22, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
Auto Loan - Used Vehicles
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedOct 23, 2026
Details

APR range: 5.99% to 16.19%; Rates determined by credit score; Limits based on income and ability to pay if qualified

Rate History
No change since Oct 13, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Vehicle Loan - 72 Months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedOct 23, 2026
Details

Payment/$1,000: $16.56; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto

Rate History
No change since Oct 23, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 23, 2026: 5.99% APROct 23, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2010 - 2016, by approval)
5.99%
Up to 24 months
▼
APR5.99%
TermUp to 24 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2010 - 2016; By approval

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2017 - 2018)
5.99%
Up to 24 months
▼
APR5.99%
TermUp to 24 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2017 - 2018

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2019 - 2020)
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019 - 2020

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2021 - 2023)
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2021 - 2023

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
37 - 66 months
▼
APR5.99%
Term37 - 66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
67 - 72 months
▼
APR5.99%
Term67 - 72 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 5.99% - 16.49%. Model Year: 2019 - 2022; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Auto Loan - 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedOct 22, 2026
Details

As Low As; APR as high as 11.24%; APR includes 0.25% discount for automatic payments; Rates and terms subject to LTV, mileage, credit score, and model year restrictions

Rate History
No change since Oct 22, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 22, 2026: 5.99% APROct 22, 2026Oct 25, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Auto Loan - Up to 48 Months
5.99%
Up to 48 Months
▼
APR5.99%
TermUp to 48 Months
Last UpdatedOct 22, 2026
Details

As Low As; APR as high as 17.99%; as low as rate includes 0.25% discount for automatic payments

Rate History
No change since Oct 22, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 22, 2026: 5.99% APROct 22, 2026Oct 25, 2026
Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Autos
5.99%
60 months +
▼
APR5.99%
Term60 months +
Last UpdatedOct 19, 2026
Details

Amount: 100% of MSRP/NADA/Kelley/Appraisal

Rate History
2 changes since Sep 14, 2026 · 5.25% → 5.99% ▲ 0.74 pts · high 5.99% / low 5.25%
4.51%5.62%6.73%Sep 14, 2026: 5.25% APRSep 18, 2026: 5.75% APROct 19, 2026: 5.99% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20265.99%▲ from 5.75%
  • Sep 18, 20265.75%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedOct 19, 2026
Details

Model Year: 2019 - 2022; Effective Date: 10-16-26

Rate History
2 changes since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.74% APROct 13, 2026: 5.49% APROct 19, 2026: 5.99% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20265.99%▲ from 5.49%
  • Oct 13, 20265.49%▼ from 5.74%
  • Sep 14, 20265.74%first recorded
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicle Loan
5.99%
61-72 months
▼
APR5.99%
Term61-72 months
Last UpdatedOct 19, 2026
Details

Minimum credit score 700

Rate History
No change since Oct 14, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 14, 2026: 5.99% APROct 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicles Loan
5.99%
61-72 months
▼
APR5.99%
Term61-72 months
Last UpdatedOct 19, 2026
Details

Rates based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Vehicle Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedOct 19, 2026
Details

Model years 2023-2027; Minimum credit score 700

Rate History
No change since Oct 14, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 14, 2026: 5.99% APROct 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Vehicles: model years 2023-2027 Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedOct 19, 2026
Details

Rates based on a minimum credit score of 700.

Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 72 months
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 12.00% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Used Vehicles - 2021-2025 Loan
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedOct 23, 2026
Details

Model Year: 2021-2025; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 6.09% APR · checked 10 times
5.59%6.09%6.59%Sep 14, 2026: 6.09% APRSep 14, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - 2022
6.15%
up to 60 months
▼
APR6.15%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022

Rate History
1 change since Sep 14, 2026 · 5.65% → 6.15% ▲ 0.50 pts · high 6.15% / low 5.65%
5.15%5.90%6.65%Sep 14, 2026: 5.65% APROct 4, 2026: 6.15% APRSep 14, 2026Oct 25, 2026
  • Oct 4, 20266.15%▲ from 5.65%
  • Sep 14, 20265.65%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - 2023
6.15%
up to 60 months
▼
APR6.15%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2023

Rate History
1 change since Sep 14, 2026 · 5.65% → 6.15% ▲ 0.50 pts · high 6.15% / low 5.65%
5.15%5.90%6.65%Sep 14, 2026: 5.65% APROct 4, 2026: 6.15% APRSep 14, 2026Oct 25, 2026
  • Oct 4, 20266.15%▲ from 5.65%
  • Sep 14, 20265.65%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - 2024
6.15%
up to 60 months
▼
APR6.15%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2024

Rate History
1 change since Sep 14, 2026 · 5.65% → 6.15% ▲ 0.50 pts · high 6.15% / low 5.65%
5.15%5.90%6.65%Sep 14, 2026: 5.65% APROct 4, 2026: 6.15% APRSep 14, 2026Oct 25, 2026
  • Oct 4, 20266.15%▲ from 5.65%
  • Sep 14, 20265.65%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Auto Loan - New Car Purchase
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 20, 2026
Details

Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term

Rate History
No change since Oct 14, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 14, 2026: 6.24% APROct 14, 2026Oct 25, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car rate Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 20, 2026
Details

Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 25, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Auto Loan - Autos 2020-2021
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 23, 2026
Details

Rate History
No change since Oct 22, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 22, 2026: 6.24% APROct 22, 2026Oct 25, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Auto Loan - Autos 2022-New
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedOct 23, 2026
Details

Rate History
No change since Oct 22, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 22, 2026: 6.24% APROct 22, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
6.24%
85-96 Months
▼
APR6.24%
Term85-96 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 6.24% - 8.99%. Model Year: 2023 & Newer; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 19, 2026: 6.24% APROct 19, 2026Oct 25, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Auto Loan - Up to 60 Months
6.24%
Up to 60 Months
▼
APR6.24%
TermUp to 60 Months
Last UpdatedOct 22, 2026
Details

As Low As; APR as high as 17.99%; as low as rate includes 0.25% discount for automatic payments

Rate History
No change since Oct 22, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 22, 2026: 6.24% APROct 22, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedOct 22, 2026
Details

Year: 2020 - 2024; APR range: 6.24%-14.74%; with applied discounts

Rate History
No change since Oct 22, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 22, 2026: 6.24% APROct 22, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.30%
Auto Loan
6.25%
6 year
▼
APR6.25%
Term6 year
Last UpdatedOct 19, 2026
Details

Rate History
1 change since Sep 18, 2026 · 5.91% → 6.25% ▲ 0.34 pts · high 6.25% / low 5.91%
5.41%6.08%6.75%Sep 18, 2026: 5.91% APROct 1, 2026: 6.25% APRSep 18, 2026Oct 25, 2026
  • Oct 1, 20266.25%▲ from 5.91%
  • Sep 18, 20265.91%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Auto Loan - Used Car Purchase
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 20, 2026
Details

Financing amount: $30,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term

Rate History
No change since Oct 14, 2026 · 6.29% APR · checked 2 times
5.79%6.29%6.79%Oct 14, 2026: 6.29% APROct 14, 2026Oct 25, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car rate Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 20, 2026
Details

Financing amount: $30,000; Purchase of used car; For online applicants with excellent credit; Last updated 10/1/2026

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 25, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - New Vehicle
6.29%
73-84 months
▼
APR6.29%
Term73-84 months
Last UpdatedOct 20, 2026
Details

As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 6.29% APR
5.79%6.29%6.79%Oct 20, 2026: 6.29% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - Used Business Vehicle
6.29%
37-60 months
▼
APR6.29%
Term37-60 months
Last UpdatedOct 20, 2026
Details

As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles

Rate History
No change since Oct 20, 2026 · 6.29% APR
5.79%6.29%6.79%Oct 20, 2026: 6.29% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
6.29%
73-84 Months
▼
APR6.29%
Term73-84 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 30, 2026: 5.99% APROct 20, 2026: 6.29% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20266.29%▲ from 5.99%
  • Sep 30, 20265.99%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.29%
36 Months
▼
APR6.29%
Term36 Months
Last UpdatedOct 20, 2026
Details

As Low As; Effective: October 19, 2026

Rate History
1 change since Sep 15, 2026 · 6.34% → 6.29% ▼ 0.05 pts · high 6.34% / low 6.29%
5.79%6.31%6.84%Sep 15, 2026: 6.34% APROct 14, 2026: 6.29% APRSep 15, 2026Oct 25, 2026
  • Oct 14, 20266.29%▼ from 6.34%
  • Sep 15, 20266.34%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.29%
36 Months
▼
APR6.29%
Term36 Months
Last UpdatedOct 20, 2026
Details

Model Year: 2016 - 2026

Rate History
1 change since Sep 18, 2026 · 6.34% → 6.29% ▼ 0.05 pts · high 6.34% / low 6.29%
5.79%6.31%6.84%Sep 18, 2026: 6.34% APROct 14, 2026: 6.29% APRSep 18, 2026Oct 25, 2026
  • Oct 14, 20266.29%▼ from 6.34%
  • Sep 18, 20266.34%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.34%
48 Months
▼
APR6.34%
Term48 Months
Last UpdatedOct 20, 2026
Details

As Low As; Effective: October 19, 2026

Rate History
1 change since Sep 15, 2026 · 6.39% → 6.34% ▼ 0.05 pts · high 6.39% / low 6.34%
5.84%6.37%6.89%Sep 15, 2026: 6.39% APROct 14, 2026: 6.34% APRSep 15, 2026Oct 25, 2026
  • Oct 14, 20266.34%▼ from 6.39%
  • Sep 15, 20266.39%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.34%
48 Months
▼
APR6.34%
Term48 Months
Last UpdatedOct 20, 2026
Details

Model Year: 2018 - 2026

Rate History
1 change since Sep 18, 2026 · 6.39% → 6.34% ▼ 0.05 pts · high 6.39% / low 6.34%
5.84%6.37%6.89%Sep 18, 2026: 6.39% APROct 14, 2026: 6.34% APRSep 18, 2026Oct 25, 2026
  • Oct 14, 20266.34%▼ from 6.39%
  • Sep 18, 20266.39%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.39%
60 Months
▼
APR6.39%
Term60 Months
Last UpdatedOct 20, 2026
Details

As Low As; Effective: October 19, 2026

Rate History
1 change since Sep 15, 2026 · 6.44% → 6.39% ▼ 0.05 pts · high 6.44% / low 6.39%
5.89%6.42%6.94%Sep 15, 2026: 6.44% APROct 14, 2026: 6.39% APRSep 15, 2026Oct 25, 2026
  • Oct 14, 20266.39%▼ from 6.44%
  • Sep 15, 20266.44%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.39%
60 Months
▼
APR6.39%
Term60 Months
Last UpdatedOct 20, 2026
Details

Model Year: 2022 - 2026

Rate History
1 change since Sep 18, 2026 · 6.44% → 6.39% ▼ 0.05 pts · high 6.44% / low 6.39%
5.89%6.42%6.94%Sep 18, 2026: 6.44% APROct 14, 2026: 6.39% APRSep 18, 2026Oct 25, 2026
  • Oct 14, 20266.39%▼ from 6.44%
  • Sep 18, 20266.44%first recorded
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - New
6.39%
Up to 84 Months
▼
APR6.39%
TermUp to 84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $20,000.00 and above; 1% added to rate if over 50,000 miles

Rate History
No change since Sep 16, 2026 · 6.39% APR · checked 5 times
5.89%6.39%6.89%Sep 16, 2026: 6.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - Used
6.39%
Up to 84 Months
▼
APR6.39%
TermUp to 84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $20,000.00 and above; 1% added to rate if over 50,000 miles

Rate History
No change since Sep 16, 2026 · 6.39% APR · checked 5 times
5.89%6.39%6.89%Sep 16, 2026: 6.39% APRSep 16, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loans
6.40%
up to 60 months
▼
APR6.40%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

Loans under $40,000

Rate History
No change since Oct 23, 2026 · 6.40% APR
5.90%6.40%6.90%Oct 23, 2026: 6.40% APROct 23, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - 2022
6.45%
up to 72 months
▼
APR6.45%
Termup to 72 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022; Loan amount: $20k+

Rate History
1 change since Sep 14, 2026 · 5.95% → 6.45% ▲ 0.50 pts · high 6.45% / low 5.95%
5.45%6.20%6.95%Sep 14, 2026: 5.95% APROct 4, 2026: 6.45% APRSep 14, 2026Oct 25, 2026
  • Oct 4, 20266.45%▲ from 5.95%
  • Sep 14, 20265.95%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - 2023
6.45%
up to 72 months
▼
APR6.45%
Termup to 72 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2023; Loan amount: $20k+

Rate History
1 change since Sep 14, 2026 · 5.95% → 6.45% ▲ 0.50 pts · high 6.45% / low 5.95%
5.45%6.20%6.95%Sep 14, 2026: 5.95% APROct 4, 2026: 6.45% APRSep 14, 2026Oct 25, 2026
  • Oct 4, 20266.45%▲ from 5.95%
  • Sep 14, 20265.95%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - 2024
6.45%
up to 72 months
▼
APR6.45%
Termup to 72 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2024; Loan amount: $20k+

Rate History
1 change since Sep 14, 2026 · 5.95% → 6.45% ▲ 0.50 pts · high 6.45% / low 5.95%
5.45%6.20%6.95%Sep 14, 2026: 5.95% APROct 4, 2026: 6.45% APRSep 14, 2026Oct 25, 2026
  • Oct 4, 20266.45%▲ from 5.95%
  • Sep 14, 20265.95%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedOct 20, 2026
Details

As Low As; Effective: October 19, 2026

Rate History
1 change since Sep 15, 2026 · 6.54% → 6.49% ▼ 0.05 pts · high 6.54% / low 6.49%
5.99%6.52%7.04%Sep 15, 2026: 6.54% APROct 14, 2026: 6.49% APRSep 15, 2026Oct 25, 2026
  • Oct 14, 20266.49%▼ from 6.54%
  • Sep 15, 20266.54%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedOct 20, 2026
Details

Model Year: 2023 - 2026

Rate History
1 change since Sep 18, 2026 · 6.54% → 6.49% ▼ 0.05 pts · high 6.54% / low 6.49%
5.99%6.52%7.04%Sep 18, 2026: 6.54% APROct 14, 2026: 6.49% APRSep 18, 2026Oct 25, 2026
  • Oct 14, 20266.49%▼ from 6.54%
  • Sep 18, 20266.54%first recorded
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Vehicle (2 to 7 Years Old) Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedOct 23, 2026
Details

As Low As; 100% NADA retail value, plus tag, title, and tax

Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 10 times
5.99%6.49%6.99%Sep 12, 2026: 6.49% APRSep 12, 2026Oct 25, 2026
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
Auto Loan
6.49%
0 to 60 months
▼
APR6.49%
Term0 to 60 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 - 2025

Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
6.49%
48 months or less
▼
APR6.49%
Term48 months or less
Last UpdatedOct 22, 2026
Details

Year: 2019 or Older; APR range: 6.49%-14.99%; with applied discounts

Rate History
No change since Oct 22, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 22, 2026: 6.49% APROct 22, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 84 months
6.50%
84 months
▼
APR6.50%
Term84 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 12.50% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
6.59%
48 Months
▼
APR6.59%
Term48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
1 change since Sep 14, 2026 · 6.45% → 6.59% ▲ 0.14 pts · high 6.59% / low 6.45%
5.95%6.52%7.09%Sep 14, 2026: 6.45% APROct 23, 2026: 6.59% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20266.59%▲ from 6.45%
  • Sep 14, 20266.45%first recorded
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Auto Loan - Autos 2020-2021
6.74%
72 months
▼
APR6.74%
Term72 months
Last UpdatedOct 23, 2026
Details

Rate History
No change since Oct 22, 2026 · 6.74% APR · checked 2 times
6.24%6.74%7.24%Oct 22, 2026: 6.74% APROct 22, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2021 - 2023)
6.74%
37 - 66 months
▼
APR6.74%
Term37 - 66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2021 - 2023

Rate History
No change since Oct 19, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 19, 2026: 6.74% APROct 19, 2026Oct 25, 2026
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
Auto Loan
6.74%
73 to 84 months
▼
APR6.74%
Term73 to 84 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 - 2025

Rate History
No change since Sep 18, 2026 · 6.74% APR · checked 4 times
6.24%6.74%7.24%Sep 18, 2026: 6.74% APRSep 18, 2026Oct 25, 2026
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
Auto Loan
6.74%
61 to 72 months
▼
APR6.74%
Term61 to 72 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 - 2025

Rate History
1 change since Sep 14, 2026 · 7.24% → 6.74% ▼ 0.50 pts · high 7.24% / low 6.74%
6.24%6.99%7.74%Sep 14, 2026: 7.24% APRSep 18, 2026: 6.74% APRSep 14, 2026Oct 25, 2026
  • Sep 18, 20266.74%▼ from 7.24%
  • Sep 14, 20267.24%first recorded
Otoe-Missouria Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.64%
Auto Loan
6.74%
0 to 60 months
▼
APR6.74%
Term0 to 60 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2020 - 2022

Rate History
1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49%
5.99%6.62%7.24%Sep 14, 2026: 6.49% APRSep 18, 2026: 6.74% APRSep 14, 2026Oct 25, 2026
  • Sep 18, 20266.74%▲ from 6.49%
  • Sep 14, 20266.49%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Auto Loan
6.74%
up to 36 months
▼
APR6.74%
Termup to 36 months
Last UpdatedOct 19, 2026
Details

Model Year: 2016 - 2018; Effective Date: 10-16-26

Rate History
1 change since Sep 14, 2026 · 6.24% → 6.74% ▲ 0.50 pts · high 6.74% / low 6.24%
5.74%6.49%7.24%Sep 14, 2026: 6.24% APROct 19, 2026: 6.74% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20266.74%▲ from 6.24%
  • Sep 14, 20266.24%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Auto Loan - 72 Months
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Auto Loans (Vehicle Loans)

Rate History
No change since Oct 13, 2026 · 6.75% APR · checked 2 times
6.25%6.75%7.25%Oct 13, 2026: 6.75% APROct 13, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 23, 2026: 6.75% APROct 23, 2026Oct 25, 2026
Equity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Auto Loan
6.76%
Up to 60 months
▼
APR6.76%
TermUp to 60 months
Last UpdatedOct 22, 2026
Details

As Low As; Limited time offer; APR available for new and used vehicles dated 2024 or newer; maximum loan-to-value 100%; excellent credit required; example $10,000.00 loan at 6.76% for 60 months = $196.90/month including up to $185 origination fee

Rate History
No change since Oct 22, 2026 · 6.76% APR
6.26%6.76%7.26%Oct 22, 2026: 6.76% APROct 22, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Used Vehicles - 2018-2020 Loan
6.79%
48 Months
▼
APR6.79%
Term48 Months
Last UpdatedOct 23, 2026
Details

Model Year: 2018-2020; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 6.79% APR · checked 10 times
6.29%6.79%7.29%Sep 14, 2026: 6.79% APRSep 14, 2026Oct 25, 2026

Hennepin 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: 2.55%
New Vehicle Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedOct 19, 2026
Details

Minimum credit score 700

Rate History
No change since Oct 14, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Oct 14, 2026: 2.99% APROct 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedOct 19, 2026
Details

Rates based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto Loan
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 9 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 25, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Vehicles Loan
3.49%
Up To 7 Years
▼
APR3.49%
TermUp To 7 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026; Low As Rate is based on a 3 year term; Terms may be based on credit score, model year and mileage; APR range shown as as low as 3.49%

Rate History
1 change since Sep 14, 2026 · 3.74% → 3.49% ▼ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 14, 2026: 3.74% APROct 19, 2026: 3.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.49%▼ from 3.74%
  • Sep 14, 20263.74%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New & Used Autos
3.74%
Up to 36 months
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 23, 2026
Details

As Low As; Auto purchases only with a maximum term of 36 months; pre-approval rate; requires direct deposit with USE Federal Credit Union or ACH automatic payments; maximum LTV 80%

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 25, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
3.75%
24 months
▼
APR3.75%
Term24 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 9.75% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 3.75% APR · checked 10 times
3.25%3.75%4.25%Sep 17, 2026: 3.75% APRSep 17, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 3.99% - 11.99%. Model Year: 2023 & Newer; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 19, 2026: 3.99% APROct 19, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicle Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedOct 19, 2026
Details

Minimum credit score 700

Rate History
No change since Oct 14, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Oct 14, 2026: 3.99% APROct 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedOct 19, 2026
Details

Rates based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 10.00% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 10 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APRSep 17, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - New Business Vehicle
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles

Rate History
No change since Oct 20, 2026 · 4.09% APR
3.59%4.09%4.59%Oct 20, 2026: 4.09% APROct 20, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto Loan
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 9 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - New Vehicle
4.19%
up to 36 months
▼
APR4.19%
Termup to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 20, 2026: 4.19% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.19%
12-36 Months
▼
APR4.19%
Term12-36 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 3.89% → 4.19% ▲ 0.30 pts · high 4.19% / low 3.89%
3.39%4.04%4.69%Sep 30, 2026: 3.89% APROct 20, 2026: 4.19% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20264.19%▲ from 3.89%
  • Sep 30, 20263.89%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 10.25% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 10 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 25, 2026
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New & Used Autos
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedOct 23, 2026
Details

As Low As; APR range: 4.49% - 12.99%; Rates based on individual credit score and term selected; If ACH is not utilized, add .25% to APR

Rate History
1 change since Sep 12, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
3.49%4.24%4.99%Sep 12, 2026: 3.99% APROct 15, 2026: 4.49% APRSep 12, 2026Oct 25, 2026
  • Oct 15, 20264.49%▲ from 3.99%
  • Sep 12, 20263.99%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 10.50% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 10 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 23, 2026: 4.50% APROct 23, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 23, 2026: 4.50% APROct 23, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - New Vehicle
4.59%
37-60 months
▼
APR4.59%
Term37-60 months
Last UpdatedOct 20, 2026
Details

As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.59% APR
4.09%4.59%5.09%Oct 20, 2026: 4.59% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
37-60 Months
▼
APR4.59%
Term37-60 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 4.29% → 4.59% ▲ 0.30 pts · high 4.59% / low 4.29%
3.79%4.44%5.09%Sep 30, 2026: 4.29% APROct 20, 2026: 4.59% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20264.59%▲ from 4.29%
  • Sep 30, 20264.29%first recorded
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New/Used Auto
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Loans; **84 month term limited to a loan balance greater than $20,000.00

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
1 change since Sep 14, 2026 · 4.54% → 4.79% ▲ 0.25 pts · high 4.79% / low 4.54%
4.04%4.67%5.29%Sep 14, 2026: 4.54% APROct 23, 2026: 4.79% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.79%▲ from 4.54%
  • Sep 14, 20264.54%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - New Vehicle
4.89%
61-72 months
▼
APR4.89%
Term61-72 months
Last UpdatedOct 20, 2026
Details

As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 20, 2026: 4.89% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.89%
61-72 Months
▼
APR4.89%
Term61-72 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 4.59% → 4.89% ▲ 0.30 pts · high 4.89% / low 4.59%
4.09%4.74%5.39%Sep 30, 2026: 4.59% APROct 20, 2026: 4.89% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20264.89%▲ from 4.59%
  • Sep 30, 20264.59%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - NEW! 2026
4.90%
up to 48 months
▼
APR4.90%
Termup to 48 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2026

Rate History
No change since Oct 12, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Oct 12, 2026: 4.90% APROct 12, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicle Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedOct 19, 2026
Details

Minimum credit score 700

Rate History
No change since Oct 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 14, 2026: 4.99% APROct 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicles Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedOct 19, 2026
Details

Rates based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 11.00% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 10 times
4.50%5.00%5.50%Sep 17, 2026: 5.00% APRSep 17, 2026Oct 25, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Depending on collateral value and borrower credit history

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 11 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 23, 2026: 5.00% APROct 23, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
5.04%
72 Months
▼
APR5.04%
Term72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
1 change since Sep 14, 2026 · 4.79% → 5.04% ▲ 0.25 pts · high 5.04% / low 4.79%
4.29%4.92%5.54%Sep 14, 2026: 4.79% APROct 23, 2026: 5.04% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20265.04%▲ from 4.79%
  • Sep 14, 20264.79%first recorded
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedOct 20, 2026
Details

As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history

Rate History
2 changes since Sep 18, 2026 · 5.39% → 5.24% ▼ 0.15 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APROct 20, 2026: 5.24% APRSep 18, 2026Oct 25, 2026
  • Oct 20, 20265.24%▼ from 5.49%
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Auto Loan - New/Used Vehicles (2024-2026)
5.24%
(up to) 84 months
▼
APR5.24%
Term(up to) 84 months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of October 1, 2026

Rate History
No change since Oct 23, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 23, 2026: 5.24% APROct 23, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
5.24%
37-60 Months
▼
APR5.24%
Term37-60 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 5.24% - 12.99%. Model Year: 2023 & Newer; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 19, 2026: 5.24% APROct 19, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
5.24%
36 - 60 months
▼
APR5.24%
Term36 - 60 months
Last UpdatedOct 22, 2026
Details

Year: 2025 - 2027; APR range: 5.24%-13.74%; with applied discounts

Rate History
No change since Oct 22, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 22, 2026: 5.24% APROct 22, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
1 change since Sep 14, 2026 · 5.04% → 5.29% ▲ 0.25 pts · high 5.29% / low 5.04%
4.54%5.17%5.79%Sep 14, 2026: 5.04% APROct 23, 2026: 5.29% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20265.29%▲ from 5.04%
  • Sep 14, 20265.04%first recorded
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - New
5.39%
Up to 36 Months
▼
APR5.39%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $0 - $6,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - New
5.39%
Up to 48 Months
▼
APR5.39%
TermUp to 48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $7,000 - $11,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - New
5.39%
Up to 60 Months
▼
APR5.39%
TermUp to 60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $12,000 - $14,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - New
5.39%
Up to 72 Months
▼
APR5.39%
TermUp to 72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $15,000 - $19,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New & Used Autos
5.49%
202 months
▼
APR5.49%
Term202 months
Last UpdatedOct 23, 2026
Details

Term: 2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up to 48 months; As Low As; Model year tiers: 2025 and newer up to 72 months, 2022 - 2024 up to 60 months, 2021 and older up to 48 months; pre-approval rate; maximum LTV 80%

Rate History
1 change since Sep 25, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 25, 2026: 5.24% APROct 4, 2026: 5.49% APRSep 25, 2026Oct 25, 2026
  • Oct 4, 20265.49%▲ from 5.24%
  • Sep 25, 20265.24%first recorded
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Vehicle (Current & Previous Year) Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 23, 2026
Details

As Low As; 100% Purchase price or NADA retail value, plus tag, title, and tax

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 10 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Vehicle Loan - 48 Months
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedOct 23, 2026
Details

Payment/$1,000: $23.25; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto

Rate History
No change since Oct 23, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 23, 2026: 5.49% APROct 23, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Auto Loan - New Vehicles (2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2026; Rates effective as of 10/1/2026; Apply Online

Rate History
No change since Oct 19, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 19, 2026: 5.49% APROct 19, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 5.49% - 13.99%. Model Year: 2023 & Newer; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 19, 2026: 5.49% APROct 19, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
5.49%
36 - 60 months or less
▼
APR5.49%
Term36 - 60 months or less
Last UpdatedOct 22, 2026
Details

Term: 36 - 60 months or less; Year: 2020 - 2024; APR range: 5.49%-13.99%; with applied discounts

Rate History
No change since Oct 22, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 22, 2026: 5.49% APROct 22, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
New Automobile Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 11.50% APR; New car (3 years old or newer)

Rate History
No change since Sep 17, 2026 · 5.50% APR · checked 10 times
5.00%5.50%6.00%Sep 17, 2026: 5.50% APRSep 17, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Vehicle Loan - 60 Months
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedOct 23, 2026
Details

Payment/$1,000: $19.14; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto

Rate History
No change since Oct 23, 2026 · 5.59% APR
5.09%5.59%6.09%Oct 23, 2026: 5.59% APROct 23, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - NEW! 2026
5.60%
up to 60 months
▼
APR5.60%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2026

Rate History
No change since Oct 12, 2026 · 5.60% APR · checked 3 times
5.10%5.60%6.10%Oct 12, 2026: 5.60% APROct 12, 2026Oct 25, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Auto Loan - Autos 2022-New
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedOct 23, 2026
Details

Rate History
No change since Oct 22, 2026 · 5.74% APR · checked 2 times
5.24%5.74%6.24%Oct 22, 2026: 5.74% APROct 22, 2026Oct 25, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Autos 2022-New
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedOct 23, 2026
Details

As Low As; Advertised headline rate on Auto Loans page; Rates as of 10/22/2026

Rate History
No change since Oct 12, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Auto Loan - New Vehicles (2026)
5.74%
78 months
▼
APR5.74%
Term78 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2026; Rates effective as of 10/1/2026; Apply Online

Rate History
No change since Oct 19, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 19, 2026: 5.74% APROct 19, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
5.74%
73-84 Months
▼
APR5.74%
Term73-84 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 5.74% - 15.99%. Model Year: 2023 & Newer; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 19, 2026: 5.74% APROct 19, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
5.74%
72 - 84 months or less
▼
APR5.74%
Term72 - 84 months or less
Last UpdatedOct 22, 2026
Details

Term: 72 - 84 months or less; Year: 2025 - 2027; APR range: 5.74%- 14.24%; with applied discounts

Rate History
No change since Oct 22, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 22, 2026: 5.74% APROct 22, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 23, 2026: 5.75% APROct 23, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - New Business Vehicle
5.79%
37-60 months
▼
APR5.79%
Term37-60 months
Last UpdatedOct 20, 2026
Details

As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles

Rate History
No change since Oct 20, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 20, 2026: 5.79% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - New Business Vehicle
5.79%
61-72 months
▼
APR5.79%
Term61-72 months
Last UpdatedOct 20, 2026
Details

As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles

Rate History
No change since Oct 20, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 20, 2026: 5.79% APROct 20, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - NEW! 2026
5.80%
up to 72 months
▼
APR5.80%
Termup to 72 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2026; Loan amount: $20k+

Rate History
No change since Oct 12, 2026 · 5.80% APR · checked 3 times
5.30%5.80%6.30%Oct 12, 2026: 5.80% APROct 12, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
Auto Loan - New Vehicles
5.89%
Up to 84 months
▼
APR5.89%
TermUp to 84 months
Last UpdatedOct 23, 2026
Details

APR range: 5.89% to 15.59%; Rates determined by credit score; Limits based on income and ability to pay if qualified

Rate History
No change since Oct 13, 2026 · 5.89% APR · checked 3 times
5.39%5.89%6.39%Oct 13, 2026: 5.89% APROct 13, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Auto Loan - NEW! 2026
5.95%
up to 84 months
▼
APR5.95%
Termup to 84 months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2026; Loan amount: $40k+

Rate History
No change since Oct 12, 2026 · 5.95% APR · checked 3 times
5.45%5.95%6.45%Oct 12, 2026: 5.95% APROct 12, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loans
5.95%
up to 60 months
▼
APR5.95%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

As Low As; Loans under $40,000

Rate History
No change since Oct 23, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 23, 2026: 5.95% APROct 23, 2026Oct 25, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Auto Loan - Autos 2022-New
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedOct 23, 2026
Details

Rate History
No change since Oct 22, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 22, 2026: 5.99% APROct 22, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Vehicle Loan - 72 Months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedOct 23, 2026
Details

Payment/$1,000: $16.56; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto

Rate History
No change since Oct 23, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 23, 2026: 5.99% APROct 23, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2010 - 2016, by approval)
5.99%
Up to 24 months
▼
APR5.99%
TermUp to 24 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2010 - 2016; By approval

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2017 - 2018)
5.99%
Up to 24 months
▼
APR5.99%
TermUp to 24 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2017 - 2018

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2019 - 2020)
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019 - 2020

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2021 - 2023)
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2021 - 2023

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
37 - 66 months
▼
APR5.99%
Term37 - 66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
67 - 72 months
▼
APR5.99%
Term67 - 72 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 5.99% - 16.49%. Model Year: 2019 - 2022; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicle Loan
5.99%
61-72 months
▼
APR5.99%
Term61-72 months
Last UpdatedOct 19, 2026
Details

Minimum credit score 700

Rate History
No change since Oct 14, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 14, 2026: 5.99% APROct 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Vehicles Loan
5.99%
61-72 months
▼
APR5.99%
Term61-72 months
Last UpdatedOct 19, 2026
Details

Rates based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 25, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Auto Loan - New Car Purchase
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 20, 2026
Details

Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term

Rate History
No change since Oct 14, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 14, 2026: 6.24% APROct 14, 2026Oct 25, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car rate Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 20, 2026
Details

Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 25, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Auto Loan - Autos 2022-New
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedOct 23, 2026
Details

Rate History
No change since Oct 22, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 22, 2026: 6.24% APROct 22, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loan (2019 & Newer)
6.24%
85-96 Months
▼
APR6.24%
Term85-96 Months
Last UpdatedOct 19, 2026
Details

Published APR range: 6.24% - 8.99%. Model Year: 2023 & Newer; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks

Rate History
No change since Oct 19, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 19, 2026: 6.24% APROct 19, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedOct 22, 2026
Details

Year: 2020 - 2024; APR range: 6.24%-14.74%; with applied discounts

Rate History
No change since Oct 22, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 22, 2026: 6.24% APROct 22, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - New Vehicle
6.29%
73-84 months
▼
APR6.29%
Term73-84 months
Last UpdatedOct 20, 2026
Details

As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 6.29% APR
5.79%6.29%6.79%Oct 20, 2026: 6.29% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
6.29%
73-84 Months
▼
APR6.29%
Term73-84 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 30, 2026: 5.99% APROct 20, 2026: 6.29% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20266.29%▲ from 5.99%
  • Sep 30, 20265.99%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.29%
36 Months
▼
APR6.29%
Term36 Months
Last UpdatedOct 20, 2026
Details

As Low As; Effective: October 19, 2026

Rate History
1 change since Sep 15, 2026 · 6.34% → 6.29% ▼ 0.05 pts · high 6.34% / low 6.29%
5.79%6.31%6.84%Sep 15, 2026: 6.34% APROct 14, 2026: 6.29% APRSep 15, 2026Oct 25, 2026
  • Oct 14, 20266.29%▼ from 6.34%
  • Sep 15, 20266.34%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.34%
48 Months
▼
APR6.34%
Term48 Months
Last UpdatedOct 20, 2026
Details

As Low As; Effective: October 19, 2026

Rate History
1 change since Sep 15, 2026 · 6.39% → 6.34% ▼ 0.05 pts · high 6.39% / low 6.34%
5.84%6.37%6.89%Sep 15, 2026: 6.39% APROct 14, 2026: 6.34% APRSep 15, 2026Oct 25, 2026
  • Oct 14, 20266.34%▼ from 6.39%
  • Sep 15, 20266.39%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.39%
60 Months
▼
APR6.39%
Term60 Months
Last UpdatedOct 20, 2026
Details

As Low As; Effective: October 19, 2026

Rate History
1 change since Sep 15, 2026 · 6.44% → 6.39% ▼ 0.05 pts · high 6.44% / low 6.39%
5.89%6.42%6.94%Sep 15, 2026: 6.44% APROct 14, 2026: 6.39% APRSep 15, 2026Oct 25, 2026
  • Oct 14, 20266.39%▼ from 6.44%
  • Sep 15, 20266.44%first recorded
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - New
6.39%
Up to 84 Months
▼
APR6.39%
TermUp to 84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $20,000.00 and above; 1% added to rate if over 50,000 miles

Rate History
No change since Sep 16, 2026 · 6.39% APR · checked 5 times
5.89%6.39%6.89%Sep 16, 2026: 6.39% APRSep 16, 2026Oct 25, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedOct 20, 2026
Details

As Low As; Effective: October 19, 2026

Rate History
1 change since Sep 15, 2026 · 6.54% → 6.49% ▼ 0.05 pts · high 6.54% / low 6.49%
5.99%6.52%7.04%Sep 15, 2026: 6.54% APROct 14, 2026: 6.49% APRSep 15, 2026Oct 25, 2026
  • Oct 14, 20266.49%▼ from 6.54%
  • Sep 15, 20266.54%first recorded
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
6.49%
48 months or less
▼
APR6.49%
Term48 months or less
Last UpdatedOct 22, 2026
Details

Year: 2019 or Older; APR range: 6.49%-14.99%; with applied discounts

Rate History
No change since Oct 22, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 22, 2026: 6.49% APROct 22, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
6.59%
48 Months
▼
APR6.59%
Term48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
1 change since Sep 14, 2026 · 6.45% → 6.59% ▲ 0.14 pts · high 6.59% / low 6.45%
5.95%6.52%7.09%Sep 14, 2026: 6.45% APROct 23, 2026: 6.59% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20266.59%▲ from 6.45%
  • Sep 14, 20266.45%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2021 - 2023)
6.74%
37 - 66 months
▼
APR6.74%
Term37 - 66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2021 - 2023

Rate History
No change since Oct 19, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 19, 2026: 6.74% APROct 19, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 23, 2026: 6.75% APROct 23, 2026Oct 25, 2026

Hennepin Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New & Used Autos
3.74%
Up to 36 months
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 23, 2026
Details

As Low As; Auto purchases only with a maximum term of 36 months; pre-approval rate; requires direct deposit with USE Federal Credit Union or ACH automatic payments; maximum LTV 80%

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 25, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto Loan
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 9 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 25, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Vehicle Loan
4.24%
Up To 6 Years
▼
APR4.24%
TermUp To 6 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 and Older; Low As Rate is based on a 5 year term; Terms may be based on credit score, model year and mileage

Rate History
No change since Oct 19, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 19, 2026: 4.24% APROct 19, 2026Oct 25, 2026
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New & Used Autos
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedOct 23, 2026
Details

As Low As; APR range: 4.49% - 12.99%; Rates based on individual credit score and term selected; If ACH is not utilized, add .25% to APR

Rate History
1 change since Sep 12, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
3.49%4.24%4.99%Sep 12, 2026: 3.99% APROct 15, 2026: 4.49% APRSep 12, 2026Oct 25, 2026
  • Oct 15, 20264.49%▲ from 3.99%
  • Sep 12, 20263.99%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 23, 2026: 4.50% APROct 23, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 23, 2026: 4.50% APROct 23, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto Loan
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 9 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 25, 2026
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New/Used Auto
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Loans; **84 month term limited to a loan balance greater than $20,000.00

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 24 months
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 10.75% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
1 change since Sep 14, 2026 · 4.54% → 4.79% ▲ 0.25 pts · high 4.79% / low 4.54%
4.04%4.67%5.29%Sep 14, 2026: 4.54% APROct 23, 2026: 4.79% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.79%▲ from 4.54%
  • Sep 14, 20264.54%first recorded
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 36 months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 11.00% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 25, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Depending on collateral value and borrower credit history

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 11 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 23, 2026: 5.00% APROct 23, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
5.04%
72 Months
▼
APR5.04%
Term72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
1 change since Sep 14, 2026 · 4.79% → 5.04% ▲ 0.25 pts · high 5.04% / low 4.79%
4.29%4.92%5.54%Sep 14, 2026: 4.79% APROct 23, 2026: 5.04% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20265.04%▲ from 4.79%
  • Sep 14, 20264.79%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - Used Vehicle
5.09%
up to 36 months
▼
APR5.09%
Termup to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 5.09% APR
4.59%5.09%5.59%Oct 20, 2026: 5.09% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.09%
12-36 Months
▼
APR5.09%
Term12-36 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 4.79% → 5.09% ▲ 0.30 pts · high 5.09% / low 4.79%
4.29%4.94%5.59%Sep 30, 2026: 4.79% APROct 20, 2026: 5.09% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20265.09%▲ from 4.79%
  • Sep 30, 20264.79%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - Used Business Vehicle
5.19%
Up to 36 months
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles

Rate History
No change since Oct 20, 2026 · 5.19% APR
4.69%5.19%5.69%Oct 20, 2026: 5.19% APROct 20, 2026Oct 25, 2026
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Auto Loan - New/Used Vehicles (2024-2026)
5.24%
(up to) 84 months
▼
APR5.24%
Term(up to) 84 months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of October 1, 2026

Rate History
No change since Oct 23, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 23, 2026: 5.24% APROct 23, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
5.24%
36 - 60 months
▼
APR5.24%
Term36 - 60 months
Last UpdatedOct 22, 2026
Details

Year: 2025 - 2027; APR range: 5.24%-13.74%; with applied discounts

Rate History
No change since Oct 22, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 22, 2026: 5.24% APROct 22, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 48 months
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 11.25% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2022 or Newer

Rate History
1 change since Sep 14, 2026 · 5.04% → 5.29% ▲ 0.25 pts · high 5.29% / low 5.04%
4.54%5.17%5.79%Sep 14, 2026: 5.04% APROct 23, 2026: 5.29% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20265.29%▲ from 5.04%
  • Sep 14, 20265.04%first recorded
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - Used
5.39%
Up to 36 Months
▼
APR5.39%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $0 - $6,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 6 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - Used
5.39%
Up to 48 Months
▼
APR5.39%
TermUp to 48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $7,000 - $11,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 6 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - Used
5.39%
Up to 60 Months
▼
APR5.39%
TermUp to 60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $12,000 - $14,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 6 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - Used
5.39%
Up to 72 Months
▼
APR5.39%
TermUp to 72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $15,000 - 19,999.99

Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 16, 2026: 5.39% APRSep 16, 2026Oct 25, 2026
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Auto Loan - Used Vehicles (2021-2023)
5.39%
(up to) 84 months
▼
APR5.39%
Term(up to) 84 months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Oct 13, 2026: 5.39% APROct 13, 2026Oct 25, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.44%
60 months
▼
APR5.44%
Term60 months
Last UpdatedOct 20, 2026
Details

As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history

Rate History
2 changes since Sep 18, 2026 · 5.59% → 5.44% ▼ 0.15 pts · high 5.69% / low 5.44%
4.94%5.57%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APROct 20, 2026: 5.44% APRSep 18, 2026Oct 25, 2026
  • Oct 20, 20265.44%▼ from 5.69%
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New & Used Autos
5.49%
202 months
▼
APR5.49%
Term202 months
Last UpdatedOct 23, 2026
Details

Term: 2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up to 48 months; As Low As; Model year tiers: 2025 and newer up to 72 months, 2022 - 2024 up to 60 months, 2021 and older up to 48 months; pre-approval rate; maximum LTV 80%

Rate History
1 change since Sep 25, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 25, 2026: 5.24% APROct 4, 2026: 5.49% APRSep 25, 2026Oct 25, 2026
  • Oct 4, 20265.49%▲ from 5.24%
  • Sep 25, 20265.24%first recorded
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
5.49%
36 - 60 months or less
▼
APR5.49%
Term36 - 60 months or less
Last UpdatedOct 22, 2026
Details

Term: 36 - 60 months or less; Year: 2020 - 2024; APR range: 5.49%-13.99%; with applied discounts

Rate History
No change since Oct 22, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 22, 2026: 5.49% APROct 22, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 60 months
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 11.50% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Auto Loan - Used Vehicles (2022-2026)
5.54%
66 months
▼
APR5.54%
Term66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2022-2026; Rates effective as of 10/1/2026; Apply Online

Rate History
No change since Oct 19, 2026 · 5.54% APR
5.04%5.54%6.04%Oct 19, 2026: 5.54% APROct 19, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - Used Vehicle
5.59%
37-60 months
▼
APR5.59%
Term37-60 months
Last UpdatedOct 20, 2026
Details

As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 5.59% APR
5.09%5.59%6.09%Oct 20, 2026: 5.59% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.59%
37-60 Months
▼
APR5.59%
Term37-60 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 5.29% → 5.59% ▲ 0.30 pts · high 5.59% / low 5.29%
4.79%5.44%6.09%Sep 30, 2026: 5.29% APROct 20, 2026: 5.59% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20265.59%▲ from 5.29%
  • Sep 30, 20265.29%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - Used Vehicle
5.69%
61-72 months
▼
APR5.69%
Term61-72 months
Last UpdatedOct 20, 2026
Details

As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 5.69% APR
5.19%5.69%6.19%Oct 20, 2026: 5.69% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.69%
61-72 Months
▼
APR5.69%
Term61-72 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 5.39% → 5.69% ▲ 0.30 pts · high 5.69% / low 5.39%
4.89%5.54%6.19%Sep 30, 2026: 5.39% APROct 20, 2026: 5.69% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20265.69%▲ from 5.39%
  • Sep 30, 20265.39%first recorded
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
5.74%
72 - 84 months or less
▼
APR5.74%
Term72 - 84 months or less
Last UpdatedOct 22, 2026
Details

Term: 72 - 84 months or less; Year: 2025 - 2027; APR range: 5.74%- 14.24%; with applied discounts

Rate History
No change since Oct 22, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 22, 2026: 5.74% APROct 22, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 23, 2026: 5.75% APROct 23, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Auto Loan - Used Vehicles (2019-2021)
5.79%
66 months
▼
APR5.79%
Term66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2021; Rates effective as of 10/1/2026; Apply Online

Rate History
No change since Oct 19, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 19, 2026: 5.79% APROct 19, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Used Vehicles - 2021-2025 Loan
5.89%
60 Months
▼
APR5.89%
Term60 Months
Last UpdatedOct 23, 2026
Details

Model Year: 2021-2025; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 5.89% APR · checked 10 times
5.39%5.89%6.39%Sep 14, 2026: 5.89% APRSep 14, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
Auto Loan - Used Vehicles
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedOct 23, 2026
Details

APR range: 5.99% to 16.19%; Rates determined by credit score; Limits based on income and ability to pay if qualified

Rate History
No change since Oct 13, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2010 - 2016, by approval)
5.99%
Up to 24 months
▼
APR5.99%
TermUp to 24 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2010 - 2016; By approval

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2017 - 2018)
5.99%
Up to 24 months
▼
APR5.99%
TermUp to 24 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2017 - 2018

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2019 - 2020)
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019 - 2020

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2021 - 2023)
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2021 - 2023

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
37 - 66 months
▼
APR5.99%
Term37 - 66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
67 - 72 months
▼
APR5.99%
Term67 - 72 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2024 - 2026)
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 - 2026

Rate History
No change since Oct 19, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Vehicle Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedOct 19, 2026
Details

Model years 2023-2027; Minimum credit score 700

Rate History
No change since Oct 14, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 14, 2026: 5.99% APROct 14, 2026Oct 25, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Vehicles: model years 2023-2027 Loan
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedOct 19, 2026
Details

Rates based on a minimum credit score of 700.

Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 72 months
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 12.00% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Used Vehicles - 2021-2025 Loan
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedOct 23, 2026
Details

Model Year: 2021-2025; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 6.09% APR · checked 10 times
5.59%6.09%6.59%Sep 14, 2026: 6.09% APRSep 14, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedOct 22, 2026
Details

Year: 2020 - 2024; APR range: 6.24%-14.74%; with applied discounts

Rate History
No change since Oct 22, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 22, 2026: 6.24% APROct 22, 2026Oct 25, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Auto Loan - Used Car Purchase
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 20, 2026
Details

Financing amount: $30,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term

Rate History
No change since Oct 14, 2026 · 6.29% APR · checked 2 times
5.79%6.29%6.79%Oct 14, 2026: 6.29% APROct 14, 2026Oct 25, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car rate Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 20, 2026
Details

Financing amount: $30,000; Purchase of used car; For online applicants with excellent credit; Last updated 10/1/2026

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 25, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - Used Business Vehicle
6.29%
37-60 months
▼
APR6.29%
Term37-60 months
Last UpdatedOct 20, 2026
Details

As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles

Rate History
No change since Oct 20, 2026 · 6.29% APR
5.79%6.29%6.79%Oct 20, 2026: 6.29% APROct 20, 2026Oct 25, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.29%
36 Months
▼
APR6.29%
Term36 Months
Last UpdatedOct 20, 2026
Details

Model Year: 2016 - 2026

Rate History
1 change since Sep 18, 2026 · 6.34% → 6.29% ▼ 0.05 pts · high 6.34% / low 6.29%
5.79%6.31%6.84%Sep 18, 2026: 6.34% APROct 14, 2026: 6.29% APRSep 18, 2026Oct 25, 2026
  • Oct 14, 20266.29%▼ from 6.34%
  • Sep 18, 20266.34%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.34%
48 Months
▼
APR6.34%
Term48 Months
Last UpdatedOct 20, 2026
Details

Model Year: 2018 - 2026

Rate History
1 change since Sep 18, 2026 · 6.39% → 6.34% ▼ 0.05 pts · high 6.39% / low 6.34%
5.84%6.37%6.89%Sep 18, 2026: 6.39% APROct 14, 2026: 6.34% APRSep 18, 2026Oct 25, 2026
  • Oct 14, 20266.34%▼ from 6.39%
  • Sep 18, 20266.39%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.39%
60 Months
▼
APR6.39%
Term60 Months
Last UpdatedOct 20, 2026
Details

Model Year: 2022 - 2026

Rate History
1 change since Sep 18, 2026 · 6.44% → 6.39% ▼ 0.05 pts · high 6.44% / low 6.39%
5.89%6.42%6.94%Sep 18, 2026: 6.44% APROct 14, 2026: 6.39% APRSep 18, 2026Oct 25, 2026
  • Oct 14, 20266.39%▼ from 6.44%
  • Sep 18, 20266.44%first recorded
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Autos - Used
6.39%
Up to 84 Months
▼
APR6.39%
TermUp to 84 Months
Last UpdatedOct 23, 2026
Details

As Low As; Loan amount: $20,000.00 and above; 1% added to rate if over 50,000 miles

Rate History
No change since Sep 16, 2026 · 6.39% APR · checked 5 times
5.89%6.39%6.89%Sep 16, 2026: 6.39% APRSep 16, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loans
6.40%
up to 60 months
▼
APR6.40%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

Loans under $40,000

Rate History
No change since Oct 23, 2026 · 6.40% APR
5.90%6.40%6.90%Oct 23, 2026: 6.40% APROct 23, 2026Oct 25, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedOct 20, 2026
Details

Model Year: 2023 - 2026

Rate History
1 change since Sep 18, 2026 · 6.54% → 6.49% ▼ 0.05 pts · high 6.54% / low 6.49%
5.99%6.52%7.04%Sep 18, 2026: 6.54% APROct 14, 2026: 6.49% APRSep 18, 2026Oct 25, 2026
  • Oct 14, 20266.49%▼ from 6.54%
  • Sep 18, 20266.54%first recorded
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Vehicle (2 to 7 Years Old) Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedOct 23, 2026
Details

As Low As; 100% NADA retail value, plus tag, title, and tax

Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 10 times
5.99%6.49%6.99%Sep 12, 2026: 6.49% APRSep 12, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
New & Used Autos
6.49%
48 months or less
▼
APR6.49%
Term48 months or less
Last UpdatedOct 22, 2026
Details

Year: 2019 or Older; APR range: 6.49%-14.99%; with applied discounts

Rate History
No change since Oct 22, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 22, 2026: 6.49% APROct 22, 2026Oct 25, 2026
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Used Auto Loan - 84 months
6.50%
84 months
▼
APR6.50%
Term84 months
Last UpdatedOct 23, 2026
Details

As Low As; Rate as high as: 12.50% APR; Used Car Rates (4 years old to 8 years old)

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 25, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New or Used Vehicle Loan
6.59%
48 Months
▼
APR6.59%
Term48 Months
Last UpdatedOct 23, 2026
Details

As Low As; Model Year: 2017-2021

Rate History
1 change since Sep 14, 2026 · 6.45% → 6.59% ▲ 0.14 pts · high 6.59% / low 6.45%
5.95%6.52%7.09%Sep 14, 2026: 6.45% APROct 23, 2026: 6.59% APRSep 14, 2026Oct 25, 2026
  • Oct 23, 20266.59%▲ from 6.45%
  • Sep 14, 20266.45%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New & Used Auto Loans (2021 - 2023)
6.74%
37 - 66 months
▼
APR6.74%
Term37 - 66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2021 - 2023

Rate History
No change since Oct 19, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 19, 2026: 6.74% APROct 19, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New & Used Vehicle Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedOct 23, 2026
Details

As Low As; Rates effective as of September 1, 2026

Rate History
No change since Oct 23, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 23, 2026: 6.75% APROct 23, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Used Vehicles - 2018-2020 Loan
6.79%
48 Months
▼
APR6.79%
Term48 Months
Last UpdatedOct 23, 2026
Details

Model Year: 2018-2020; Processing Fee (for funded loans): $97.00

Rate History
No change since Sep 14, 2026 · 6.79% APR · checked 10 times
6.29%6.79%7.29%Sep 14, 2026: 6.79% APRSep 14, 2026Oct 25, 2026

Hennepin, OK Auto Loan Rate Trends

Compare local Hennepin, 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.

View Full Oklahoma Auto Trends
New Auto Loan OK Avg
5.273%
▲ 0.060 vs 7 days ago

Oklahoma new auto rates rose 0.060 points over the past 7 days to 5.273% APR.

Used Auto Loan OK Avg
5.978%
▲ 0.035 vs 7 days ago

Oklahoma used auto rates rose 0.035 points over the past 7 days to 5.978% APR.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

Hennepin, OK Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Oklahoma figures.

Current New Auto Avg
5.27%
APR, as of Oct 25, 2026
6-Month Forecast
5.35%
Fed hold assumed
12-Month Forecast
5.42%
Range: 5.07% to 5.62%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Oklahoma APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.27% APR
OK average
Used Auto @ 5.98% APR
OK average
Monthly Difference
$15,000 $284.95/mo $289.84/mo $4.89/mo
$25,000 $474.92/mo $483.06/mo $8.14/mo
$35,000 $664.89/mo $676.29/mo $11.40/mo
$45,000 $854.85/mo $869.51/mo $14.66/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

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How to Get the Best Auto Loan Rate in Hennepin, Oklahoma

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Hennepin, Oklahoma locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Oklahoma. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Oklahoma Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$40,265
Median Individual Earnings
National avg: $47,340
4.9%
Unemployment Rate
National avg: 4.8%
15.3%
Poverty Rate
National avg: 11.1%
$570/mo
Payment on a $30K / 60-mo Loan
At OK new-auto avg 5.27% APR

A $570 monthly car payment works out to roughly 17.0% of the median individual income in Oklahoma. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Hennepin, Oklahoma, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Hennepin, Oklahoma. We’ve prefilled the APR with today’s OK new-auto average, or click any current rate on the right to apply it instantly.

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Current Rates: Click to Apply
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Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hennepin, 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 Hennepin, 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 Hennepin, 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.

Bad Credit Auto Loans in Hennepin, Oklahoma

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.98% APR Avg. used car loan we track: 6.71% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans

Frequently Asked Questions about Auto Loans in Hennepin, 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 Hennepin, 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 Hennepin, 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.

Should I get preapproved for an auto loan before visiting a dealer in Hennepin, Oklahoma?

Yes. A preapproval from a bank or credit union serving Hennepin, Oklahoma gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Hennepin, Oklahoma can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Hennepin, Oklahoma?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Hennepin, Oklahoma?

Based on our current data, some of the lowest auto loan rates available in Hennepin, Oklahoma include:
  • TEXOMA EDUCATORS: 2.99% (New Vehicle Loan)
  • American Airlines Federal Credit Union: 3.34% (New Auto Loan)
  • Multi-States Credit Union: 3.49% (New Vehicles Loan)
  • USE Federal Credit Union: 3.74% (New & Used Autos)
  • Credit Union One Of Oklahoma Credit Union: 3.74% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Hennepin, Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 23, 2026

Hennepin, Oklahoma Rates & Resources