Tulsa, Oklahoma Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Tulsa, Oklahoma auto loan rates range from 2.99% to 10.75% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Tulsa, Oklahoma include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionTulsa Base Administration Building, Tulsa, OK, 74116A+5.0 ★Texas Ratio: 2.87%Rate verified Nov 7, 2026 offering New Auto at 3.34%, Oklahomas Credit UnionOklahomas Credit Union201 W 5th St Ste 320, Tulsa, OK, 74103 4215A+5.0 ★Texas Ratio: 1.36%Rate verified Nov 9, 2026 offering Auto Loan at 3.74%, Tinker Federal Credit UnionTinker Federal Credit Union8920 E 61st St, Tulsa, OK, 74133A+5.0 ★Texas Ratio: 2.34%Rate verified Nov 5, 2026 offering Repo Vehicle Loan at 3.99%, OK Members First Federal Credit UnionOK Members First Federal Credit Union10832 E 31st St, Tulsa, OK, 74146A+5.0 ★Texas Ratio: 3.49%Rate verified Nov 7, 2026 offering New & Used Autos at 4.49%, Saint Francis Employees Federal Credit UnionSaint Francis Employees Federal Credit Union6600 S Yale Ave Ste 101, Tulsa, OK, 74136 3344A+5.0 ★Texas Ratio: 0.41%Rate verified Nov 7, 2026 offering New or Used Vehicle Loan at 4.99%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Tulsa has 16 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at Tulsa Base Administration Building, Tulsa, OK, 74116. 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 Tulsa, Oklahoma. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Tulsa, Oklahoma & Surrounding Area
Tulsa Auto Loan Rates
As Low As
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
As Low As
Fixed rate; repo vehicle loan
As Low As
Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000; Vantage Score 740+; Max term 60 months
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
- Oct 15, 20264.49%▲ from 3.99%
- Sep 12, 20263.99%first recorded
As Low As
As Low As; Model Year: 2022 or Newer; Rates effective as of October 28, 2026
- Oct 29, 20264.99%▲ from 4.79%
- Oct 23, 20264.79%▲ from 4.54%
- Sep 14, 20264.54%first recorded
As Low As; Rates shown for 60-month terms; Rates effective October 2, 2026
As Low As; Rates shown for 60-month terms; Rates effective October 2, 2026
Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000; Vantage Score 740+; Max term 75 months
As Low As; Depending on collateral value and borrower credit history
As Low As; Depending on collateral value and borrower credit history
As Low As; Model Year: 2022 or Newer; Rates effective as of October 28, 2026
- Oct 29, 20265.24%▲ from 5.04%
- Oct 23, 20265.04%▲ from 4.79%
- Sep 14, 20264.79%first recorded
Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000; Vantage Score 740+; Max term 84 months
As Low As; Loan amount: $0 - $6,999.99
As Low As; Loan amount: $7,000 - $11,999.99
As Low As; Loan amount: $12,000 - $14,999.99
As Low As; Loan amount: $15,000 - $19,999.99
As Low As; Loan amount: $0 - $6,999.99
As Low As; Loan amount: $7,000 - $11,999.99
As Low As; Loan amount: $12,000 - $14,999.99
As Low As; Loan amount: $15,000 - 19,999.99
As Low As; Model Year: 2022 or Newer; Rates effective as of October 28, 2026
- Oct 29, 20265.49%▲ from 5.29%
- Oct 23, 20265.29%▲ from 5.04%
- Sep 14, 20265.04%first recorded
As Low As; Rate and term based on creditworthiness, amount financed and age of vehicle; Minimum Loan Amount: listed
As Low As; Rate and term based on creditworthiness, amount financed and age of vehicle; Minimum Loan Amount: listed
As Low As; Rate and term based on creditworthiness, amount financed and age of vehicle; Minimum Loan Amount: listed
As Low As; Rate and term based on creditworthiness, amount financed and age of vehicle; Minimum Loan Amount: listed
As Low As; Rate and term based on creditworthiness, amount financed and age of vehicle; Minimum Loan Amount: $12,000
As Low As; Apply Online
- Nov 3, 20265.59%▲ from 5.49%
- Oct 19, 20265.49%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Apply Online
- Nov 3, 20265.64%▲ from 5.54%
- Oct 19, 20265.54%first recorded
As Low As; Rates shown for 60-month terms; Rates effective October 2, 2026
As Low As; Maximum term; **84 month term limited to a loan balance greater than $20,000.00
- Oct 26, 20265.74%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Rate and term based on creditworthiness, amount financed and age of vehicle; Minimum Loan Amount: $20,000
As Low As; Apply Online
- Nov 3, 20265.84%▲ from 5.74%
- Oct 19, 20265.74%first recorded
As Low As; Apply Online
- Nov 3, 20265.89%▲ from 5.79%
- Oct 19, 20265.79%first recorded
Fixed rate
- Sep 27, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
As Low As; Loan amount: $20,000.00 and above; 1% added to rate if over 50,000 miles
As Low As; Loan amount: $20,000.00 and above; 1% added to rate if over 50,000 miles
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
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
As Low As; Model Year: 2017-2021; Rates effective as of October 28, 2026
- Oct 29, 20266.79%▲ from 6.59%
- Oct 23, 20266.59%▲ from 6.45%
- Sep 14, 20266.45%first recorded
As Low As; Model Year: 2017-2021; Rates effective as of October 28, 2026
- Oct 29, 20267.04%▲ from 6.84%
- Oct 23, 20266.84%▲ from 6.70%
- Sep 14, 20266.70%first recorded
As Low As; Model Year: 2017-2021; Rates effective as of October 28, 2026
- Oct 29, 20267.29%▲ from 7.09%
- Oct 23, 20267.09%▲ from 6.95%
- Sep 14, 20266.95%first recorded
As Low As; Rates shown for 60-month terms; Rates effective October 2, 2026
As Low As; Rate and term based on creditworthiness, amount financed, and collateral.
Model Year: New (2026)
As Low As; Model Year: 2012-2016; Rates effective as of October 28, 2026
- Oct 29, 20268.69%▲ from 8.49%
- Oct 23, 20268.49%▲ from 8.15%
- Sep 14, 20268.15%first recorded
As Low As; Rate and term based on creditworthiness, amount financed, and collateral.
As Low As; Model Year: 2012-2016; Rates effective as of October 28, 2026
- Oct 29, 20268.94%▲ from 8.74%
- Oct 23, 20268.74%▲ from 8.40%
- Sep 14, 20268.40%first recorded
As Low As; Model Year: 2012-2016; Rates effective as of October 28, 2026
- Oct 29, 20269.19%▲ from 8.99%
- Oct 23, 20268.99%▲ from 8.65%
- Sep 14, 20268.65%first recorded
Model Year: Used (2021 - 2025)
As Low As; Rate and term based on creditworthiness, amount financed, and collateral.
Model Year: Used (2016 - 2020)
As Low As; Rates shown for 60-month terms; Rates effective October 2, 2026
As Low As; Rate and term based on creditworthiness, amount financed, and collateral.
Model Year: Used (2015 - Older)
As Low As; Rate and term based on creditworthiness, amount financed, and collateral.
Credit score 700 minimum
APR range: 3.49% - 17.00%; Rates effective as of 11/02/2026; Discount: .25 off Auto and Truck rates with automatic payment agreement; additional .10 for auto payment from Endurance FCU checking account
- Nov 3, 20263.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
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%
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
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
- Nov 3, 20263.74%▲ from 3.49%
- Oct 19, 20263.49%▼ from 3.74%
- Sep 14, 20263.74%first recorded
Model Year: 2023 - Newer; Effective Date: 10-16-26
- Oct 19, 20263.74%▼ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Rate as high as: 9.75% APR; New car (3 years old or newer)
APR range: 3.99% - 11.99%; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks
Low rate range 3.99% - 5.99% APR; Special Financing; Flexible Terms; Effective Date: 10-16-26
Credit score 700 minimum
As Low As; Rate as high as: 10.00% APR; New car (3 years old or newer)
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Model Year: 2023 - Newer; Effective Date: 10-16-26
- Oct 19, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Rate as high as: 10.25% APR; New car (3 years old or newer)
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; APR range 4.45% - 18% APR; determined by credit score; rate effective as of September 1, 2026
- Oct 9, 20264.49%▼ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Model Year: 2024 and Older; As low as rate based on a 5 year term
- Nov 3, 20264.49%▲ from 4.24%
- Oct 9, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
Model Year: 2019 - 2022; Effective Date: 10-16-26
- Oct 19, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Rate as high as: 10.50% APR; New car (3 years old or newer)
As Low As; Auto Loans (Vehicle Loans)
As Low As; Auto Loans (Vehicle Loans)
As Low As; Rates effective as of September 1, 2026
As Low As; Rates effective as of September 1, 2026
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
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; APR range 4.70% - 18% APR; determined by credit score; rate effective as of September 1, 2026
Model Year: 2023 - Newer; Effective Date: 10-16-26
- Oct 13, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rate as high as: 10.75% APR; Used Car Rates (4 years old to 8 years old)
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2025
- Oct 4, 20264.90%▲ from 4.60%
- Sep 14, 20264.60%first recorded
As Low As; Model Year: NEW! 2026
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
As Low As; Auto loan; Amount: 100% of MSRP/NADA/Kelley/Appraisal; Base rates subject to change and adjustment for Term and Credit Score
- Oct 19, 20264.99%▲ from 4.75%
- Sep 18, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2023 - Newer; Effective Date: 10-16-26
- Oct 13, 20264.99%▼ from 5.24%
- Sep 14, 20265.24%first recorded
Model Year: 2019 - 2022; Effective Date: 10-16-26
- Oct 19, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Credit score 700 minimum
As Low As; Rate as high as: 11.00% APR; New car (3 years old or newer)
As Low As; Rate as high as: 11.00% APR; Used Car Rates (4 years old to 8 years old)
As Low As; Auto Loans (Vehicle Loans)
As Low As; Rates effective as of September 1, 2026
- Oct 1, 20265.05%▲ from 4.83%
- Sep 18, 20264.83%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; APR range 5.20% - 18% APR; determined by credit score; rate effective as of September 1, 2026
As Low As; Rates effective as of October 1, 2026
As Low As; *Longer terms may be available. Please call for more information.
- Oct 15, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
APR range: 5.24% - 12.99%; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks
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
Model Year: 2019 - 2022; Effective Date: 10-16-26
- Oct 19, 20265.24%▲ from 4.74%
- Oct 13, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Year: 2025 - 2027; APR range: 5.24%-13.74%; with applied discounts
As Low As; Rate as high as: 11.25% APR; Used Car Rates (4 years old to 8 years old)
- Oct 1, 20265.28%▲ from 4.98%
- Sep 14, 20264.98%first recorded
As Low As; Rates effective as of October 1, 2026
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%
- Oct 4, 20265.49%▲ from 5.24%
- Sep 25, 20265.24%first recorded
As Low As; 100% Purchase price or NADA retail value, plus tag, title, and tax
Payment/$1,000: $23.25; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto
APR range: 5.49% - 13.99%; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks
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
As Low As; Auto loan; Amount: 100% of MSRP/NADA/Kelley/Appraisal; Base rates subject to change and adjustment for Term and Credit Score
- Oct 19, 20265.49%▲ from 5.25%
- Sep 18, 20265.25%▲ from 4.75%
- Sep 14, 20264.75%first recorded
Model Year: 2023 - Newer; Effective Date: 10-16-26
- Oct 19, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
Model Year: 2019 - 2022; Effective Date: 10-16-26
- Oct 19, 20265.49%▲ from 4.99%
- Oct 13, 20264.99%▼ from 5.24%
- Sep 14, 20265.24%first recorded
- Oct 1, 20265.49%▲ from 5.17%
- Sep 14, 20265.17%first recorded
Term: 36 - 60 months or less; Year: 2020 - 2024; APR range: 5.49%-13.99%; with applied discounts
As Low As; Rate as high as: 11.50% APR; New car (3 years old or newer)
As Low As; Rate as high as: 11.50% APR; Used Car Rates (4 years old to 8 years old)
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Payment/$1,000: $19.14; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto
As Low As; Model Year: 2025
- Oct 4, 20265.60%▲ from 5.10%
- Sep 14, 20265.10%first recorded
As Low As; Model Year: NEW! 2026
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; APR range 5.70% - 18% APR; determined by credit score; rate effective as of September 1, 2026
As Low As; Hit the Road With a Great Rate; Banner rate, term not stated
- Oct 15, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
APR range: 5.74% - 15.99%; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks
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
Term: 72 - 84 months or less; Year: 2025 - 2027; APR range: 5.74%- 14.24%; with applied discounts
As Low As; Auto Loans (Vehicle Loans)
As Low As; Rates effective as of September 1, 2026
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
Term: up to 72 months ($20k+); As Low As; Model Year: 2025
- Oct 4, 20265.80%▲ from 5.30%
- Sep 14, 20265.30%first recorded
Term: up to 72 months ($20k+); As Low As; Model Year: NEW! 2026
APR range: 5.89% to 15.59%; Rates determined by credit score; Limits based on income and ability to pay if qualified
Model Year: 2021-2025; Processing Fee (for funded loans): $97.00
Term: up to 84 months ($40k+); As Low As; Model Year: 2025
- Oct 4, 20265.95%▲ from 5.45%
- Sep 14, 20265.45%first recorded
Term: up to 84 months ($40k+); As Low As; Model Year: NEW! 2026
As Low As; Loans under $40,000
APR range: 5.99% to 16.19%; Rates determined by credit score; Limits based on income and ability to pay if qualified
Payment/$1,000: $16.56; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2017 - 2018
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
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
As Low As; APR as high as 17.99%; as low as rate includes 0.25% discount for automatic payments
As Low As; Auto loan; Amount: 100% of MSRP/NADA/Kelley/Appraisal; Base rates subject to change and adjustment for Term and Credit Score
- Oct 19, 20265.99%▲ from 5.75%
- Sep 18, 20265.75%▲ from 5.25%
- Sep 14, 20265.25%first recorded
Model Year: 2019 - 2022; Effective Date: 10-16-26
- Oct 19, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%▼ from 5.74%
- Sep 14, 20265.74%first recorded
Credit score 700 minimum
Credit score 700 minimum
As Low As; Rate as high as: 12.00% APR; Used Car Rates (4 years old to 8 years old)
Model Year: 2021-2025; Processing Fee (for funded loans): $97.00
As Low As; Model Year: 2022
- Oct 4, 20266.15%▲ from 5.65%
- Sep 14, 20265.65%first recorded
As Low As; Model Year: 2023
- Oct 4, 20266.15%▲ from 5.65%
- Sep 14, 20265.65%first recorded
As Low As; Model Year: 2024
- Oct 4, 20266.15%▲ from 5.65%
- Sep 14, 20265.65%first recorded
APR range: 6.24% - 8.99%; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks
As Low As; APR as high as 17.99%; as low as rate includes 0.25% discount for automatic payments
Year: 2020 - 2024; APR range: 6.24%-14.74%; with applied discounts
- Oct 1, 20266.25%▲ from 5.91%
- Sep 18, 20265.91%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Loans under $40,000
Term: up to 72 months ($20k+); As Low As; Model Year: 2022
- Oct 4, 20266.45%▲ from 5.95%
- Sep 14, 20265.95%first recorded
Term: up to 72 months ($20k+); As Low As; Model Year: 2023
- Oct 4, 20266.45%▲ from 5.95%
- Sep 14, 20265.95%first recorded
Term: up to 72 months ($20k+); As Low As; Model Year: 2024
- Oct 4, 20266.45%▲ from 5.95%
- Sep 14, 20265.95%first recorded
As Low As; 100% NADA retail value, plus tag, title, and tax
As Low As; Model Year: 2023 - 2025
Year: 2019 or Older; APR range: 6.49%-14.99%; with applied discounts
Tulsa New Auto Auto Loan Rates
As Low As
As Low As
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
- Oct 15, 20264.49%▲ from 3.99%
- Sep 12, 20263.99%first recorded
As Low As; Model Year: 2022 or Newer; Rates effective as of October 28, 2026
- Oct 29, 20264.99%▲ from 4.79%
- Oct 23, 20264.79%▲ from 4.54%
- Sep 14, 20264.54%first recorded
As Low As; Depending on collateral value and borrower credit history
As Low As; Model Year: 2022 or Newer; Rates effective as of October 28, 2026
- Oct 29, 20265.24%▲ from 5.04%
- Oct 23, 20265.04%▲ from 4.79%
- Sep 14, 20264.79%first recorded
As Low As; Loan amount: $0 - $6,999.99
As Low As; Loan amount: $7,000 - $11,999.99
As Low As; Loan amount: $12,000 - $14,999.99
As Low As; Loan amount: $15,000 - $19,999.99
As Low As; Model Year: 2022 or Newer; Rates effective as of October 28, 2026
- Oct 29, 20265.49%▲ from 5.29%
- Oct 23, 20265.29%▲ from 5.04%
- Sep 14, 20265.04%first recorded
As Low As; Apply Online
- Nov 3, 20265.59%▲ from 5.49%
- Oct 19, 20265.49%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Maximum term; **84 month term limited to a loan balance greater than $20,000.00
- Oct 26, 20265.74%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Apply Online
- Nov 3, 20265.84%▲ from 5.74%
- Oct 19, 20265.74%first recorded
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
As Low As; Loan amount: $20,000.00 and above; 1% added to rate if over 50,000 miles
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
As Low As; Model Year: 2017-2021; Rates effective as of October 28, 2026
- Oct 29, 20266.79%▲ from 6.59%
- Oct 23, 20266.59%▲ from 6.45%
- Sep 14, 20266.45%first recorded
As Low As; Model Year: 2017-2021; Rates effective as of October 28, 2026
- Oct 29, 20267.04%▲ from 6.84%
- Oct 23, 20266.84%▲ from 6.70%
- Sep 14, 20266.70%first recorded
As Low As; Model Year: 2017-2021; Rates effective as of October 28, 2026
- Oct 29, 20267.29%▲ from 7.09%
- Oct 23, 20267.09%▲ from 6.95%
- Sep 14, 20266.95%first recorded
As Low As; Model Year: 2012-2016; Rates effective as of October 28, 2026
- Oct 29, 20268.69%▲ from 8.49%
- Oct 23, 20268.49%▲ from 8.15%
- Sep 14, 20268.15%first recorded
As Low As; Model Year: 2012-2016; Rates effective as of October 28, 2026
- Oct 29, 20268.94%▲ from 8.74%
- Oct 23, 20268.74%▲ from 8.40%
- Sep 14, 20268.40%first recorded
As Low As; Model Year: 2012-2016; Rates effective as of October 28, 2026
- Oct 29, 20269.19%▲ from 8.99%
- Oct 23, 20268.99%▲ from 8.65%
- Sep 14, 20268.65%first recorded
Credit score 700 minimum
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%
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
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
- Nov 3, 20263.74%▲ from 3.49%
- Oct 19, 20263.49%▼ from 3.74%
- Sep 14, 20263.74%first recorded
As Low As; Rate as high as: 9.75% APR; New car (3 years old or newer)
APR range: 3.99% - 11.99%; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks
Credit score 700 minimum
As Low As; Rate as high as: 10.00% APR; New car (3 years old or newer)
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Rate as high as: 10.25% APR; New car (3 years old or newer)
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Rate as high as: 10.50% APR; New car (3 years old or newer)
As Low As; Rates effective as of September 1, 2026
As Low As; Rates effective as of September 1, 2026
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Model Year: NEW! 2026
Credit score 700 minimum
As Low As; Rate as high as: 11.00% APR; New car (3 years old or newer)
As Low As; Rates effective as of September 1, 2026
As Low As; Rates effective as of October 1, 2026
APR range: 5.24% - 12.99%; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks
Year: 2025 - 2027; APR range: 5.24%-13.74%; with applied discounts
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%
- Oct 4, 20265.49%▲ from 5.24%
- Sep 25, 20265.24%first recorded
As Low As; 100% Purchase price or NADA retail value, plus tag, title, and tax
Payment/$1,000: $23.25; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto
APR range: 5.49% - 13.99%; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks
Term: 36 - 60 months or less; Year: 2020 - 2024; APR range: 5.49%-13.99%; with applied discounts
As Low As; Rate as high as: 11.50% APR; New car (3 years old or newer)
Payment/$1,000: $19.14; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto
As Low As; Model Year: NEW! 2026
APR range: 5.74% - 15.99%; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks
Term: 72 - 84 months or less; Year: 2025 - 2027; APR range: 5.74%- 14.24%; with applied discounts
As Low As; Rates effective as of September 1, 2026
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
Term: up to 72 months ($20k+); As Low As; Model Year: NEW! 2026
APR range: 5.89% to 15.59%; Rates determined by credit score; Limits based on income and ability to pay if qualified
Term: up to 84 months ($40k+); As Low As; Model Year: NEW! 2026
As Low As; Loans under $40,000
Payment/$1,000: $16.56; Processing Fee (for funded loans): $97.00; Rates as of 08/21/2026; New Auto
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2017 - 2018
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
Credit score 700 minimum
APR range: 6.24% - 8.99%; Includes cars, trucks, SUVs, vans, Commercial Use vehicles, and Super Duty/Heavy Duty trucks
Year: 2020 - 2024; APR range: 6.24%-14.74%; with applied discounts
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Year: 2019 or Older; APR range: 6.49%-14.99%; with applied discounts
Tulsa Used Auto Auto Loan Rates
As Low As
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
- Oct 15, 20264.49%▲ from 3.99%
- Sep 12, 20263.99%first recorded
As Low As
As Low As; Model Year: 2022 or Newer; Rates effective as of October 28, 2026
- Oct 29, 20264.99%▲ from 4.79%
- Oct 23, 20264.79%▲ from 4.54%
- Sep 14, 20264.54%first recorded
As Low As; Depending on collateral value and borrower credit history
As Low As; Model Year: 2022 or Newer; Rates effective as of October 28, 2026
- Oct 29, 20265.24%▲ from 5.04%
- Oct 23, 20265.04%▲ from 4.79%
- Sep 14, 20264.79%first recorded
As Low As; Loan amount: $0 - $6,999.99
As Low As; Loan amount: $7,000 - $11,999.99
As Low As; Loan amount: $12,000 - $14,999.99
As Low As; Loan amount: $15,000 - 19,999.99
As Low As; Model Year: 2022 or Newer; Rates effective as of October 28, 2026
- Oct 29, 20265.49%▲ from 5.29%
- Oct 23, 20265.29%▲ from 5.04%
- Sep 14, 20265.04%first recorded
As Low As; Apply Online
- Nov 3, 20265.64%▲ from 5.54%
- Oct 19, 20265.54%first recorded
As Low As; Maximum term; **84 month term limited to a loan balance greater than $20,000.00
- Oct 26, 20265.74%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Apply Online
- Nov 3, 20265.89%▲ from 5.79%
- Oct 19, 20265.79%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
As Low As; Loan amount: $20,000.00 and above; 1% added to rate if over 50,000 miles
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
As Low As; Model Year: 2017-2021; Rates effective as of October 28, 2026
- Oct 29, 20266.79%▲ from 6.59%
- Oct 23, 20266.59%▲ from 6.45%
- Sep 14, 20266.45%first recorded
As Low As; Model Year: 2017-2021; Rates effective as of October 28, 2026
- Oct 29, 20267.04%▲ from 6.84%
- Oct 23, 20266.84%▲ from 6.70%
- Sep 14, 20266.70%first recorded
As Low As; Model Year: 2017-2021; Rates effective as of October 28, 2026
- Oct 29, 20267.29%▲ from 7.09%
- Oct 23, 20267.09%▲ from 6.95%
- Sep 14, 20266.95%first recorded
As Low As; Model Year: 2012-2016; Rates effective as of October 28, 2026
- Oct 29, 20268.69%▲ from 8.49%
- Oct 23, 20268.49%▲ from 8.15%
- Sep 14, 20268.15%first recorded
As Low As; Model Year: 2012-2016; Rates effective as of October 28, 2026
- Oct 29, 20268.94%▲ from 8.74%
- Oct 23, 20268.74%▲ from 8.40%
- Sep 14, 20268.40%first recorded
As Low As; Model Year: 2012-2016; Rates effective as of October 28, 2026
- Oct 29, 20269.19%▲ from 8.99%
- Oct 23, 20268.99%▲ from 8.65%
- Sep 14, 20268.65%first recorded
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%
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
As Low As; Model Year: 2024 and Older; As low as rate based on a 5 year term
- Nov 3, 20264.49%▲ from 4.24%
- Oct 9, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Rates effective as of September 1, 2026
As Low As; Rates effective as of September 1, 2026
As Low As; Rate as high as: 10.75% APR; Used Car Rates (4 years old to 8 years old)
As Low As; Rate as high as: 11.00% APR; Used Car Rates (4 years old to 8 years old)
As Low As; Rates effective as of September 1, 2026
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates effective as of October 1, 2026
Year: 2025 - 2027; APR range: 5.24%-13.74%; with applied discounts
As Low As; Rate as high as: 11.25% APR; Used Car Rates (4 years old to 8 years old)
As Low As; Rates effective as of October 1, 2026
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%
- Oct 4, 20265.49%▲ from 5.24%
- Sep 25, 20265.24%first recorded
Term: 36 - 60 months or less; Year: 2020 - 2024; APR range: 5.49%-13.99%; with applied discounts
As Low As; Rate as high as: 11.50% APR; Used Car Rates (4 years old to 8 years old)
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Term: 72 - 84 months or less; Year: 2025 - 2027; APR range: 5.74%- 14.24%; with applied discounts
As Low As; Rates effective as of September 1, 2026
Model Year: 2021-2025; Processing Fee (for funded loans): $97.00
APR range: 5.99% to 16.19%; Rates determined by credit score; Limits based on income and ability to pay if qualified
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2024 - 2026
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Model Years: 2017 - 2018
- Oct 26, 20265.99%▲ from 5.49%
- Oct 13, 20265.49%first recorded
Credit score 700 minimum
As Low As; Rate as high as: 12.00% APR; Used Car Rates (4 years old to 8 years old)
Model Year: 2021-2025; Processing Fee (for funded loans): $97.00
Year: 2020 - 2024; APR range: 6.24%-14.74%; with applied discounts
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Loans under $40,000
As Low As; 100% NADA retail value, plus tag, title, and tax
Year: 2019 or Older; APR range: 6.49%-14.99%; with applied discounts
Tulsa, OK Auto Loan Rate Trends
Compare local Tulsa, 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 rose 0.055 points over the past 7 days to 5.258% APR.
Oklahoma used auto rates rose 0.044 points over the past 7 days to 6.035% APR.
Tulsa, 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.
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.
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 @ 5.26% APR OK average | Used Auto @ 6.04% APR OK average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.85/mo | $290.24/mo | $5.39/mo |
| $25,000 | $474.75/mo | $483.73/mo | $8.98/mo |
| $35,000 | $664.64/mo | $677.22/mo | $12.57/mo |
| $45,000 | $854.54/mo | $870.71/mo | $16.17/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.
How to Get the Best Auto Loan Rate in Tulsa, Oklahoma
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Tulsa, 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 Tulsa, 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: Tulsa, Oklahoma CD rates lock in a guaranteed return until you’re ready to buy
Tulsa, Oklahoma Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $570 monthly car payment works out to roughly 18.4% of the median individual income in Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 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.
Frequently Asked Questions about Auto Loans in Tulsa, Oklahoma
What are auto loan rates in Tulsa, Oklahoma today?
How does my credit score affect my car loan rate in Tulsa, 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 Tulsa, 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?
Can I get an auto loan with bad credit in Tulsa, Oklahoma?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Tulsa, Oklahoma?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Oklahomas Credit Union: 3.74% (Auto Loan)
- Tinker Federal Credit Union: 3.99% (Repo Vehicle Loan)
- OK Members First Federal Credit Union: 4.49% (New & Used Autos)
- Saint Francis Employees Federal Credit Union: 4.99% (New or Used Vehicle Loan)
Tulsa, Oklahoma Rates & Resources
