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Auto Loan Rates in Owasso, Oklahoma (OK) for May 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Owasso, Oklahoma. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 4, 2026

Current auto loan rates in Owasso, Oklahoma include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union12411 E 96th St N, Owasso, OK, 74055A+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%, Tinker Federal Credit UnionTinker Federal Credit Union9039 N 121st East Ave, Owasso, OK, 74055A+5.0 ★Texas Ratio: 2.99% offering Repo Vehicle Loans at 3.99%, Western Sun Federal Credit UnionWestern Sun Federal Credit Union14010 E 116th St N, Owasso, OK, 74055A+5.0 ★Texas Ratio: 3.72% offering Autos - New at 5.49%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 0.63% offering New vehicles at 2.99%, Credit Union One Of Oklahoma Credit UnionCredit Union One Of Oklahoma Credit UnionA+5.0 ★Texas Ratio: 3.70% offering Auto Loans 2023 - Newer at 3.24%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.

Owasso has 3 local institutions in our database, with auto loan rates as low as 3.74% APR from American Airlines Federal Credit Union at 12411 E 96th St N, Owasso, OK, 74055. 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 Owasso, Oklahoma. Auto Loan Rates Last Updated and Verified: May 4, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N, Owasso, OK, 74055
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
9039 N 121st East Ave, Owasso, OK, 74055
Repo Vehicle Loans
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 4, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N, Owasso, OK, 74055
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Autos - New
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Autos - Used
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
9039 N 121st East Ave, Owasso, OK, 74055
Auto Loans
5.49%
66 Months
View
▼
APR5.49%
Term66 Months
Last UpdatedMay 4, 2026
Details

Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Autos - New
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; 1% added to rate if over 50,000 miles

Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Autos - Used
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; 1% added to rate if over 50,000 miles

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
2.99%
0-36
View
▼
APR2.99%
Term0-36
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.24%
36 Months
View
▼
APR3.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
View
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.74%
48 Months
View
▼
APR3.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
NEW VEHICLES
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2025-2026*

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New & Used Autos
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.24%
60 Months
View
▼
APR4.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Autos
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedMay 2, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 or Newer

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
USED VEHICLES
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2024 and Older

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.60%
72 Months
View
▼
APR4.60%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 or Newer

Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Autos
4.75%
48 months
View
▼
APR4.75%
Term48 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.85%
84 Months
View
▼
APR4.85%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 or Newer

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.95%
84 Months
View
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.95%
84 Months
View
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
4.99%
49-60
View
▼
APR4.99%
Term49-60
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 49-60 months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedApr 17, 2026
Details

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

Energize Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Autos
5.25%
60 months +
View
▼
APR5.25%
Term60 months +
Last UpdatedMay 2, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2022 Auto Loan
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2023 Auto Loan
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2024 Auto Loan
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedApr 17, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Vehicle (Current & Previous Year)
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedApr 25, 2026
Details

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

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
5.49%
Up to 36 months
View
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.59%
60 Months
View
▼
APR5.59%
Term60 Months
Last UpdatedApr 18, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2020-2021
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedApr 17, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 17, 2026
Details

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 19, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2021 Auto Loan
5.80%
48 Months
View
▼
APR5.80%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
5.89%
60 Months
View
▼
APR5.89%
Term60 Months
Last UpdatedApr 18, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
5.99%
61-72
View
▼
APR5.99%
Term61-72
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 61-72 months
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles
5.99%
0-72
View
▼
APR5.99%
Term0-72
Last UpdatedMay 2, 2026
Details

model years 2023-2027

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2023-2027
5.99%
0-72 months
View
▼
APR5.99%
Term0-72 months
Last UpdatedMay 2, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.09%
72 Months
View
▼
APR6.09%
Term72 Months
Last UpdatedApr 18, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2020-2021
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedApr 17, 2026
Details

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2016 - 2019
6.24%
36 Months
View
▼
APR6.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.24%
37 - 66 months
View
▼
APR6.24%
Term37 - 66 months
Last UpdatedMay 2, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedApr 18, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.29%
48 Months
View
▼
APR6.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2017-2021

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2016-2019
6.49%
48 months
View
▼
APR6.49%
Term48 months
Last UpdatedApr 17, 2026
Details

Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Vehicle (2 to 7 Years Old)
6.49%
72 months
View
▼
APR6.49%
Term72 months
Last UpdatedApr 25, 2026
Details

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

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.49%
67 - 72 months
View
▼
APR6.49%
Term67 - 72 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.54%
60 Months
View
▼
APR6.54%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2017-2021

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2020 or Older Auto Loan
6.55%
36 Months
View
▼
APR6.55%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.59%
84 Months
View
▼
APR6.59%
Term84 Months
Last UpdatedApr 18, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2020-2021
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedApr 17, 2026
Details

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2016 - 2019
6.74%
48 Months
View
▼
APR6.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.74%
49 - 60 months
View
▼
APR6.74%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.79%
48 Months
View
▼
APR6.79%
Term48 Months
Last UpdatedApr 18, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.79%
72 Months
View
▼
APR6.79%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2017-2021

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2016-2019
6.99%
60 months
View
▼
APR6.99%
Term60 months
Last UpdatedApr 17, 2026
Details

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.99%
73 - 84 months
View
▼
APR6.99%
Term73 - 84 months
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
6.99%
73-84
View
▼
APR6.99%
Term73-84
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 73-84 months
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles
6.99%
0-60
View
▼
APR6.99%
Term0-60
Last UpdatedMay 2, 2026
Details

model years 2019-2022

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2019-2022
6.99%
0-60 months
View
▼
APR6.99%
Term0-60 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.04%
36 Months
View
▼
APR7.04%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2012-2012

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2016 - 2019
7.24%
60 Months
View
▼
APR7.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
7.24%
61 - 72 months
View
▼
APR7.24%
Term61 - 72 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.29%
48 Months
View
▼
APR7.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2012-2012

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.39%
30 Months
View
▼
APR7.39%
Term30 Months
Last UpdatedApr 18, 2026
Details

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
7.49%
49 - 60 months
View
▼
APR7.49%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.54%
60 Months
View
▼
APR7.54%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2012-2012

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.69%
36 Months
View
▼
APR7.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2015-Older
8.99%
48 months
View
▼
APR8.99%
Term48 months
Last UpdatedApr 17, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N, Owasso, OK, 74055
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N, Owasso, OK, 74055
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Autos - New
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Autos - New
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; 1% added to rate if over 50,000 miles

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
2.99%
0-36
View
▼
APR2.99%
Term0-36
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.24%
36 Months
View
▼
APR3.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
View
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.74%
48 Months
View
▼
APR3.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
NEW VEHICLES
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2025-2026*

OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New & Used Autos
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.24%
60 Months
View
▼
APR4.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 or Newer

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.60%
72 Months
View
▼
APR4.60%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 or Newer

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.85%
84 Months
View
▼
APR4.85%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 or Newer

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.95%
84 Months
View
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
4.99%
49-60
View
▼
APR4.99%
Term49-60
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 49-60 months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedApr 17, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedApr 17, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Vehicle (Current & Previous Year)
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedApr 25, 2026
Details

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

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
5.49%
Up to 36 months
View
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.59%
60 Months
View
▼
APR5.59%
Term60 Months
Last UpdatedApr 18, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 17, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
5.99%
61-72
View
▼
APR5.99%
Term61-72
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 61-72 months
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.24%
37 - 66 months
View
▼
APR6.24%
Term37 - 66 months
Last UpdatedMay 2, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedApr 18, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.29%
48 Months
View
▼
APR6.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2017-2021

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.49%
67 - 72 months
View
▼
APR6.49%
Term67 - 72 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.54%
60 Months
View
▼
APR6.54%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2017-2021

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.74%
49 - 60 months
View
▼
APR6.74%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.79%
72 Months
View
▼
APR6.79%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2017-2021

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.99%
73 - 84 months
View
▼
APR6.99%
Term73 - 84 months
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
6.99%
73-84
View
▼
APR6.99%
Term73-84
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 73-84 months
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.04%
36 Months
View
▼
APR7.04%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2012-2012

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
7.24%
61 - 72 months
View
▼
APR7.24%
Term61 - 72 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.29%
48 Months
View
▼
APR7.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2012-2012

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
7.49%
49 - 60 months
View
▼
APR7.49%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.54%
60 Months
View
▼
APR7.54%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2012-2012

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N, Owasso, OK, 74055
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Autos - Used
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
14010 E 116th St N, Owasso, OK, 74055
Autos - Used
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; 1% added to rate if over 50,000 miles

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
View
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New & Used Autos
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 or Newer

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
USED VEHICLES
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2024 and Older

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.60%
72 Months
View
▼
APR4.60%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 or Newer

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.85%
84 Months
View
▼
APR4.85%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 or Newer

Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
5.49%
Up to 36 months
View
▼
APR5.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
5.89%
60 Months
View
▼
APR5.89%
Term60 Months
Last UpdatedApr 18, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles
5.99%
0-72
View
▼
APR5.99%
Term0-72
Last UpdatedMay 2, 2026
Details

model years 2023-2027

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2023-2027
5.99%
0-72 months
View
▼
APR5.99%
Term0-72 months
Last UpdatedMay 2, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.09%
72 Months
View
▼
APR6.09%
Term72 Months
Last UpdatedApr 18, 2026
Details

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.24%
37 - 66 months
View
▼
APR6.24%
Term37 - 66 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.29%
48 Months
View
▼
APR6.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2017-2021

Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Vehicle (2 to 7 Years Old)
6.49%
72 months
View
▼
APR6.49%
Term72 months
Last UpdatedApr 25, 2026
Details

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

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.49%
67 - 72 months
View
▼
APR6.49%
Term67 - 72 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.54%
60 Months
View
▼
APR6.54%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2017-2021

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.59%
84 Months
View
▼
APR6.59%
Term84 Months
Last UpdatedApr 18, 2026
Details

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.74%
49 - 60 months
View
▼
APR6.74%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.79%
48 Months
View
▼
APR6.79%
Term48 Months
Last UpdatedApr 18, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.79%
72 Months
View
▼
APR6.79%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2017-2021

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
6.99%
73 - 84 months
View
▼
APR6.99%
Term73 - 84 months
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles
6.99%
0-60
View
▼
APR6.99%
Term0-60
Last UpdatedMay 2, 2026
Details

model years 2019-2022

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2019-2022
6.99%
0-60 months
View
▼
APR6.99%
Term0-60 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.04%
36 Months
View
▼
APR7.04%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2012-2012

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
7.24%
61 - 72 months
View
▼
APR7.24%
Term61 - 72 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.29%
48 Months
View
▼
APR7.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2012-2012

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.39%
30 Months
View
▼
APR7.39%
Term30 Months
Last UpdatedApr 18, 2026
Details

Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos
7.49%
49 - 60 months
View
▼
APR7.49%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.54%
60 Months
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▼
APR7.54%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2012-2012

Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.69%
36 Months
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▼
APR7.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

Owasso, OK Auto Loan Rate Trends

Compare local Owasso, 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
5.002%
▼ 0.006 vs 7 days ago

Oklahoma new auto rates fell 0.006 points over the past 7 days to 5.002% APR.

Used Auto Loan — OK Avg
6.013%
▼ 0.028 vs 7 days ago

Oklahoma used auto rates fell 0.028 points over the past 7 days to 6.013% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Owasso, 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 Owasso, 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 Owasso, Oklahoma typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

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

Based on our current data, some of the lowest auto loan rates available in Owasso, Oklahoma include:
  • American Airlines Federal Credit Union: 3.74% (New Auto)
  • Tinker Federal Credit Union: 3.99% (Repo Vehicle Loans)
  • Western Sun Federal Credit Union: 5.49% (Autos - New)
  • TEXOMA EDUCATORS: 2.99% (New vehicles)
  • Credit Union One Of Oklahoma Credit Union: 3.24% (Auto Loans 2023 - Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Owasso, Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026

Owasso, Oklahoma Rates & Resources

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