Auto Loan
Best Auto Loan Rates in Oklahoma
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Auto loan rates in Oklahoma vary with the option you choose for your loan. Banks and credit unions are common choices that offer the best auto loan rates in the state. Here is the list of banks and other national institutions that you can choose if you are looking for loans for new or used cars.
Banks and credit unions are trusted sources for getting auto loans in Oklahoma. You must compare the loan rates and terms and choose the one that fits your budget. First United Bank and Trusted Company, Pauls Valley National Bank, Texoma Educator's Federal Credit Union, and Navy Federal Credit Union are some of the banks and credit unions that provide the best auto loan rates in Oklahoma.
The lowest APR that a bank in the state offers is 4.04%. Banks that offer the best auto loan rates in Oklahoma include the First United Bank and Trusted Company, First National Bank and Trust Company, and Pauls Valley National Bank, offering up to 4.80% for 72 months.
| Company | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Arvest Bank | 6.80% | 6.80% | 7.05% | NA |
| Bank of Grand Lake | 5.05% | NA | NA | 5.05% |
| First American Bank | 4.05% | 4.05% | 4.05% | 4.31% |
| First Fidelity Bank, National Association | 7.05% | 7.05% | 7.05% | NA |
| First National Bank and Trust Company | 4.05% | 4.56% | 5.05% | NA |
| First State Bank | 4.04% | 5.05% | 5.05% | NA |
| First United Bank and Trusted Company | 4.04% | 4.04% | 4.04% | 5.06% |
| Pauls Valley National Bank | 4.80% | 4.80% | 4.80% | 4.80% |
| Regent Bank | 5.05% | 5.05% | 5.05% | NA |
| UMB Bank, National Association | 7.15% | 7.15% | 7.15% | 7.25% |
Applying for loans with credit unions can be slightly difficult as most credit unions require you to acquire their membership to apply for loans with the credit union. However, the APR falls in the range of 3.28% and 7.25% for 36 months and 72 months, respectively. The credit unions that offer the best auto loan rates in Oklahoma include Texoma Educator's Federal Credit Union, Navy Federal Credit Union, Aerospace Federal Credit Union, and American Airlines Federal Credit Union.
| Credit Union | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Connexus Community Credit Union | 6.55% | 6.75% | 6.95% | 7.25% |
| PenFed Credit Union | 5.50% | 5.60% | 5.65% | 5.95% |
| American Airlines Federal Credit Union | 5.00% | 5.75% | 5.75% | 6.00% |
| Aerospace Federal Credit Union | 5.06% | 5.06% | NA | NA |
| Haliburton Employees Federal Credit Union | 5.30% | 5.30% | 5.30% | 5.30% |
| Navy Federal Credit Union | 4.15% | 4.55% | 4.55% | 4.85% |
| MTC Federal Credit Union | 5.75% | NA | NA | NA |
| Southwest Oklahoma Federal Credit Union | 5.31% | 5.56% | 5.81% | NA |
| State Farm Federal Credit Union | 5.55% | 4.55% | 5.55% | 5.55% |
| Texoma Educator's Federal Credit Union | 3.28% | 4.28% | 5.28% | NA |
USAA Federal Savings Bank, Affinity Plus Federal Credit Union, and Navy Federal Credit Union are the other top national institutions that provide good auto loan rates in the state.
| Company | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Connexus Credit Union | 6.55% | 6.95% | 6.95% | 7.25% |
| PenFed Credit Union | 5.50% | 5.65% | 5.65% | 5.95% |
| Chartway Federal Credit Union | 5.81% | 5.81% | 5.91% | 6.31% |
| Motorola Employees Credit Union | NA | 6.30% | 6.30% | NA |
| Affinity Plus Federal Credit Union | 6.05% | 6.30% | 6.30% | 6.55% |
| NASA Federal Credit Union | 5.80% | NA | NA | NA |
| Navy Federal Credit Union | 4.15% | 4.55% | 4.55% | 4.85% |
| USAA Federal Savings Bank | 5.80% | 5.80% | 5.80% | 5.80% |
| Wells Fargo Bank National Association | 3.43% | NA | NA | NA |
For used cars, banks charge higher APRs when compared to newer cars. The lowest auto loan rates for a used car are offered by First National Bank and Trust Company, with the APRs starting at 4.05%.
| Company | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Arvest Bank | NA | 7.30% | 7.05% | NA |
| Bank of Grand Lake | 5.05% | 5.05% | 5.05% | 5.05% |
| First American Bank | 4.05% | 4.55% | 4.55% | 6.05% |
| First Fidelity Bank, National Association | 7.05% | 7.05% | 7.05% | NA |
| First National Bank and Trust Company | 4.05% | 4.56% | 4.05% | NA |
| First State Bank | 4.04% | 5.05% | 5.05% | NA |
| First United Bank and Trusted Company | 4.04% | 4.55% | 4.55% | NA |
| Pauls Valley National Bank | 4.80% | 4.80% | 4.80% | 5.80% |
| Regent Bank | 5.05% | 5.05% | 5.05% | NA |
| UMB Bank, National Association | 7.30% | 7.30% | 7.30% | NA |
Navy Federal Credit Union, Union Yes Federal Credit Union are credit unions that offer APRs in the range of 4.15% to 4.85% in Oklahoma.
| Credit Union | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Oklahoma Community Credit Union | 5.55% | NA | 5.85% | 6.41% |
| PenFed Credit Union | NA | 5.60% | 5.65% | 6.15% |
| Foothill Credit Union | 6.30% | 6.05% | 6.15% | 6.41% |
| Aerospace Federal Credit Union | 5.06% | 5.06% | 5.05% | NA |
| Anheuser-Bush Employers Credit Union | NA | 5.45% | 5.45% | NA |
| Navy Federal Credit Union | 4.15% | 4.80% | 4.45% | 4.85% |
| Redwood Credit Union | 5.55% | NA | NA | NA |
| San Mateo Credit Union | 5.05% | NA | NA | NA |
| Union Yes Federal Credit Union | 4.31% | 4.31% | 4.31% | 4.31% |
When it comes to national institutions in Oklahoma, the best auto loans can be found at JP Morgan Chase Bank and Navy Federal Credit Union.
| Company | APR (36 months) | APR (48 months) | APR (60 months) | APR (72 months) |
|---|---|---|---|---|
| Connexus Credit Union | 6.55% | 6.75% | 6.95% | 7.25% |
| PenFed Credit Union | 6.85% | 6.95% | 7.00% | 7.05% |
| Chartway Federal Credit Union | 5.81% | 5.85% | 5.91% | 6.31% |
| Motorola Employees Credit Union | 6.30% | 6.30% | 6.30% | 6.65% |
| Affinity Plus Federal Credit Union | 6.30% | 6.30% | 6.30% | NA |
| JP Morgan Chase Bank | 3.60% | 3.60% | 3.50% | 3.45% |
| Navy Federal Credit Union | 5.05% | 5.55% | 5.55% | 5.65% |
| USAA Federal Savings Bank | NA | NA | NA | 6.75% |
There are several factors you need to consider while researching your car loan rates.
Your credit score, loan term, and the type of car you are financing are the factors that affect the car loan interest rates. In Oklahoma, the rates start at 3.60% if you are looking at credit unions, and for banks, the rates start at 4.04%. The APR rates can extend to 7.30% in Oklahoma.
Maintaining credit scores is the best way to secure a good loan rate, may it be new or used cars. JP Morgan Chase Bank, Navy Federal Credit Union, First United Bank, and Texoma Educator's Federal Credit Union are some of the national institutions that offer the best auto loan rates in Oklahoma.
First United Bank and Trusted Company, First National Bank and Trust Company, Pauls Valley National Bank, Texoma Educator's Federal Credit Union, Navy Federal Credit Union, and Aerospace Federal Credit Union are the banks and credit unions that offer the best car loan rates in Oklahoma.
With a good credit score, you can lock in rates as low as 3.60. However, the average rates in the state would be above 4%.
First United Bank and Trusted Company, First National Bank and Trust Company, and Pauls Valley National Bank are the banks that have the best auto loan rates in Oklahoma.
The credit unions that offer the best auto loan rates in Oklahoma include Texoma Educator's Federal Credit Union, Navy Federal Credit Union, Aerospace Federal Credit Union, and American Airlines Federal Credit Union.
While used car loan rates in Oklahoma start at 3.60%, they can be as high as 7.30%.