Osage, Oklahoma Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
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Current auto loan rates in Osage, Oklahoma include TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 2.34% offering New vehicles Loan at 2.99%, Credit Union One Of Oklahoma Credit UnionCredit Union One Of Oklahoma Credit UnionA+5.0 ★Texas Ratio: 3.52% offering Auto Loan - 2023 - Newer at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, USE Federal Credit UnionUSE Federal Credit UnionA+5.0 ★Texas Ratio: 0.86% offering New & Used Autos at 3.49%, Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.66% offering New Vehicles 2025-2026 Loan at 3.74%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Osage borrowers have access to 32 lenders serving the Oklahoma area, with auto loan rates as low as 2.99% APR from TEXOMA EDUCATORS. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Osage, Oklahoma. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Osage, Oklahoma & Surrounding Area
Osage Auto Loan Rates
Rates below are based on a minimum credit score of 700.
As Low As; Rate applies to 2023 - Newer models.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As
As Low As
As Low As; Rate applies to 2023 - Newer models.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Fixed Rate
As Low As; Rate applies to 2020 - 2022 models.
Special Financing; Low Rates
Rates below are based on a minimum credit score of 700.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As; Rate applies to 2023 - Newer models.
As Low As;*
As Low As
Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 4.49% APR, with 60 monthly payments, will be $186 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.
As low as; Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 4.49% APR, with 60 monthly payments, will be $186 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.
As low as; Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 4.49% APR, with 60 monthly payments, will be $186 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.
As Low As; **APR is the Annual Percentage Rate.
As Low As; Rate applies to 2020 - 2022 models.
As Low As; Rate applies to 2023 - Newer models.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As
As Low As; Rates can vary depending upon collateral, term, loan type and credit history. New cars up to MSRP. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply.
As Low As; Rates can vary depending upon collateral, term, loan type and credit history. Used cars up to NADA retail. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply.
As Low As; 84 month term limited to a loan balance greater than $20,000.00.
As Low As
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Annual Percentage Rate (APR) as low as
Rates effective as of May 4, 2026. Subject to change. Annual Percentage Rate (APR) may vary depending on each individual's credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Loan rates are based on applicant's creditworthiness and may vary from those shown above. Rates, terms and conditions are subject to change without notice. All loans subject to approval. Membership eligibility required. As Low As; No Payment for 90 Days
As Low As
As low as
As Low As; Rate applies to 2020 - 2022 models.
As Low As; Rate applies to 2023 - Newer models.
Rates below are based on a minimum credit score of 700.
As Low As; **
As Low As; **
As Low As
Payment Examples; A .25 discount is available on Auto and Truck rates if an automatic payment agreement is set up. A .1 0 a dditional discount for auto payment from Endurance FCU checking account.
As Low As; Rate applies to 2020 - 2022 models.
As Low As
As Low As;*
As Low As;*
As Low As
As Low As
As low as; 100% Purchase price or NADA retail value, plus tag, title, and tax
2024 - 2026
As Low As
As Low As
As low as
2016 - 2026
As Low As
As low as
2018 - 2026
Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 5.69% APR, with 60 monthly payments, will be $192 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.
As low as; Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 5.69% APR, with 60 monthly payments, will be $192 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.
Fixed Rate
As low as
2022 - 2026
For 2019 - 2022 Models
As Low As; Rate applies to 2020 - 2022 models.
Offer available through 8/30/25 on new loans or refinance of non-First State Bank loans. Model year limitations may apply. Subject to lesser of 100% of MSRP or purchase price for new vehicles or lesser of 100% or NADA clean retail or purchase price for used, WAC. $329.93 payment for $20,000 loan at 5.75% APR.
As Low As
As low as
2023 - 2026
As Low As; Minimum Loan Amount: $20,000
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
As Low As
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Annual Percentage Rate (APR) as low as
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Rates below are based on a minimum credit score of 700.
model years 2023-2027
Rates below are based on a minimum credit score of 700.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Annual Percentage Rate (APR) as low as
2021 - 2023
As Low As; Rate applies to 2016 - 2019 models.
As Low As
As Low As;*
As low as; 100% NADA retail value, plus tag, title, and tax
2021 - 2023
As low as; Years: 2023 - 2025
As Low As
2019 - 2020
As low as; Years: 2023 - 2025
As Low As; Rate applies to 2016 - 2019 models.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Annual Percentage Rate (APR) as low as
2021 - 2023
As low as; Years: 2020 - 2022
Rates below are based on a minimum credit score of 700.
model years 2019-2022
Rates below are based on a minimum credit score of 700.
2019 - 2020
As low as; Years: 2018 - 2019
As Low As; Rate applies to 2016 - 2019 models.
As Low As
As Low As;*
2017 - 2018
Loan rates published are as low as the stated rate. Rates can vary depending upon collateral, term, loan type, loan-to-value (LTV) ratio, and credit history. Rates may change without notice. Payment Example: A fixed rate auto loan with an APR of 7.74% and a term of 60 months will cost $20.15 per month per $1,000 borrowed. Current CFCU loans not eligible for refinance at these rates.
As low as; Years: 2017 & older
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Annual Percentage Rate (APR) as low as
Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 7.99% APR, with 60 monthly payments, will be $203 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.
As low as; Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 7.99% APR, with 60 monthly payments, will be $203 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.
The dividend rate(s) and annual percentage rate(s) ("APR") are accurate as of October 18, 2024, and are subject to change. Rate and term based on creditworthiness, amount financed, and collateral. Payment example is an estimate. Your actual payment may differ based on your qualifying rate and loan terms.
The dividend rate(s) and annual percentage rate(s) ("APR") are accurate as of October 18, 2024, and are subject to change. Rate and term based on creditworthiness, amount financed, and collateral. Payment example is an estimate. Your actual payment may differ based on your qualifying rate and loan terms.
The dividend rate(s) and annual percentage rate(s) ("APR") are accurate as of October 18, 2024, and are subject to change. Rate and term based on creditworthiness, amount financed, and collateral. Payment example is an estimate. Your actual payment may differ based on your qualifying rate and loan terms.
An unsecured loan is a loan not secured by collateral, but instead member's signature. APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 42-month financing. A $7,500 loan at 10.99% APR with 42 monthly payments will be $216 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.
As low as; Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 9.99% APR, with 60 monthly payments, will be $212 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.
The dividend rate(s) and annual percentage rate(s) ("APR") are accurate as of October 18, 2024, and are subject to change. Rate and term based on creditworthiness, amount financed, and collateral. Payment example is an estimate. Your actual payment may differ based on your qualifying rate and loan terms.
The dividend rate(s) and annual percentage rate(s) ("APR") are accurate as of October 18, 2024, and are subject to change. Rate and term based on creditworthiness, amount financed, and collateral. Payment example is an estimate. Your actual payment may differ based on your qualifying rate and loan terms.
As Low As
Osage New Auto Auto Loan Rates
Rates below are based on a minimum credit score of 700.
As Low As; Rate applies to 2023 - Newer models.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As
As Low As
As Low As; Rate applies to 2023 - Newer models.
Rates below are based on a minimum credit score of 700.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As; Rate applies to 2023 - Newer models.
As Low As;*
As Low As; Rate applies to 2023 - Newer models.
As Low As; Rates can vary depending upon collateral, term, loan type and credit history. New cars up to MSRP. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply.
As Low As; 84 month term limited to a loan balance greater than $20,000.00.
Annual Percentage Rate (APR) as low as
Rates effective as of May 4, 2026. Subject to change. Annual Percentage Rate (APR) may vary depending on each individual's credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Loan rates are based on applicant's creditworthiness and may vary from those shown above. Rates, terms and conditions are subject to change without notice. All loans subject to approval. Membership eligibility required. As Low As; No Payment for 90 Days
As Low As
As Low As; Rate applies to 2023 - Newer models.
Rates below are based on a minimum credit score of 700.
As Low As; **
As low as; 100% Purchase price or NADA retail value, plus tag, title, and tax
2024 - 2026
As low as
As low as
As low as
As Low As
As low as
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
Annual Percentage Rate (APR) as low as
Rates below are based on a minimum credit score of 700.
Annual Percentage Rate (APR) as low as
2021 - 2023
2021 - 2023
2019 - 2020
Annual Percentage Rate (APR) as low as
2021 - 2023
Rates below are based on a minimum credit score of 700.
2019 - 2020
2017 - 2018
Annual Percentage Rate (APR) as low as
Osage Used Auto Auto Loan Rates
As Low As
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As; **APR is the Annual Percentage Rate.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As; Rates can vary depending upon collateral, term, loan type and credit history. Used cars up to NADA retail. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply.
As Low As; 84 month term limited to a loan balance greater than $20,000.00.
Annual Percentage Rate (APR) as low as
Rates effective as of May 4, 2026. Subject to change. Annual Percentage Rate (APR) may vary depending on each individual's credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Loan rates are based on applicant's creditworthiness and may vary from those shown above. Rates, terms and conditions are subject to change without notice. All loans subject to approval. Membership eligibility required. As Low As; No Payment for 90 Days
As Low As
As Low As; **
As Low As;*
2024 - 2026
2016 - 2026
2018 - 2026
2022 - 2026
2023 - 2026
Annual Percentage Rate (APR) as low as
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
model years 2023-2027
Rates below are based on a minimum credit score of 700.
Annual Percentage Rate (APR) as low as
2021 - 2023
As Low As;*
As low as; 100% NADA retail value, plus tag, title, and tax
2021 - 2023
2019 - 2020
Annual Percentage Rate (APR) as low as
2021 - 2023
model years 2019-2022
Rates below are based on a minimum credit score of 700.
2019 - 2020
As Low As;*
2017 - 2018
Annual Percentage Rate (APR) as low as
Osage, OK Auto Loan Rate Trends
Compare local Osage, OK auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Oklahoma new auto rates fell 0.033 points over the past 7 days to 5.629% APR.
Oklahoma used auto rates rose 0.063 points over the past 7 days to 5.823% APR.
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 @ 5.63% APR OK average | Used Auto @ 5.82% APR OK average | Monthly Difference |
|---|---|---|---|
| $15,000 | $287.41/mo | $288.76/mo | $1.35/mo |
| $25,000 | $479.02/mo | $481.26/mo | $2.24/mo |
| $35,000 | $670.63/mo | $673.77/mo | $3.14/mo |
| $45,000 | $862.23/mo | $866.27/mo | $4.04/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.
About Our Osage, Oklahoma Auto Loan Rate Database
Our Osage, Oklahoma auto loan tables currently track 32 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Osage, Oklahoma database right now is 2.99% APR from TEXOMA EDUCATORS. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Osage, Oklahoma
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Osage, 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.
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.
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.
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.
- Saving up for a bigger down payment → park it in a Osage, Oklahoma high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange → compare personal loan rates
- Car fund you won’t need for a set period → Osage, Oklahoma CD rates lock in a guaranteed return until you’re ready to buy
Oklahoma Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau (state-level data shown — city data not available)
A $575 monthly car payment works out to roughly 17.1% of the median individual income in Oklahoma. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Osage, 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 1–3 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 (0–2.9% 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 Osage, 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.
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 Osage, 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 Osage, 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 Osage, Oklahoma. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in OK.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Osage, Oklahoma
How does my credit score affect my car loan rate in Oklahoma?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Osage, Oklahoma?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Osage, Oklahoma?
- TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
- Credit Union One Of Oklahoma Credit Union: 3.24% (Auto Loan - 2023 - Newer)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- USE Federal Credit Union: 3.49% (New & Used Autos)
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026 Loan)
Osage, Oklahoma Rates & Resources
