Save money and time.
Lower rates will help you save money, and the application process saves you time. Get pre-approved or refinance your existing auto loan with our low rates and do more with your money. Here are some of the benefits of purchasing your next vehicle with an OKCU auto loan:
- No application fee
- A completely contactless process
- Apply in less than 15 minutes
Already a member? Submit your application in Digital Banking and your application will take less than 5 minutes to complete because we already have your information. Simply review your information and submit the application.
Check Today's Auto Loan Rates
Pre-approval is easy as 1-2-3.
- Click "Apply Now" at the top of this page to apply for an auto loan. Once you're pre-approved, you'll get a pre-qualification letter by email
- Have your pre-approval email ready with you when you visit the dealership
- Tell the dealers you're pre-approved with Oklahoma's Credit Union, not just OKCU as this could be confused with other financial institutions.
Benefits of getting pre-approved:
- You're in the drivers seat. Once you get pre-approved, you have the information you need to choose the best car or truck for your budget.
- You know exactly how much you can spend while you shop for a vehicle.
- It's one less thing to worry about at the dealership.
- It saves you time. Getting pre-approved means you don't have to spend time financing a loan at the dealership.
Get Pre-Approved for an Auto Loan
Refinance your ride.
It’s time to lower your monthly vehicle payments. Refinancing an auto loan with OKCU is so easy you almost won’t believe it. Plus, there are no fees to refinance with us. All you have to do is fill out the application. In less than 15 minutes you’ll be on your way to more money in your pocket.
Benefits of refinancing your auto loan:
- There is no fee to refinance your auto loan.
- Our competitive rates could reduce your monthly payments.
- There's no risk. Once you complete an application we will run the numbers. After that it's up to you.
- You can refinance a loan whether you originally financed through a dealership or a different bank or credit union.
- Don't have an OKCU checking account? You can easily set up automatic loan payments from an external checking account.
Refinance Your Auto Loan
See how much your monthly auto loan payments will be.
Use our monthly payment calculator to see if the car of your dreams fits into your budget. Our calculator will show you how your payments will change depending on the price of the vehicle, down payment amount, loan term and interest rate.
This is what your monthly payment could look like:
| Loan Amount |
60 Months at 2.74% APR* |
75 Months at 3.24% APR** |
84 Months at 3.74% APR*** |
| $15,000 |
$268 |
$222 |
$204 |
| $20,000 |
$358 |
$295 |
$271 |
| $25,000 |
$447 |
$369 |
$339 |
Calculate Your Auto Loan Payment
*Annual Percentage Rate. 725+ FICO score. Requires automatic payments. Limited time offer. Normal lending policies apply. Excludes existing OKCU loans. Max term 60 months. Estimated payment $17.85 per $1,000 borrowed for 60 months. **Annual Percentage Rate. 725+ FICO score. Requires automatic payments. Limited time offer. Normal lending policies apply. Excludes existing OKCU loans. Max term 75 months. Estimated payment $14.75 per $1,000 borrowed for 75 months. ***Annual Percentage Rate. 725+ FICO score. Requires automatic payments. Limited time offer. Normal lending policies apply. Excludes existing OKCU loans. Max term 84 months. Estimated payment $13.55 per $1,000 borrowed for 84 months.