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Auto Loan FAQs

Everything you need to know about purchasing and refinancing your car or truck.

Browse these Frequently Asked Auto Loan Questions


Resources for calculating values on vehicles are available through NADA.

Use our vehicle payment calculator to calculate monthly payments based on the net purchase price of the vehicle, the loan term and the interest rate for the loan.

The term will depend on the vehicle that you end up purchasing, however, we have terms of 12 months through 84 months available.

Yes, a free and clear vehicle can be used as collateral to secure a loan at a much lower interest rate than an unsecured Lifestyle loan or a credit card.

There are many different ways for you to make your payments, but OKCU does offer automatic payment options that will make it more convenient and save you time!

Not long at all. Most of the time we can finish up the refinance the same day you apply. We just need an approved application, a couple of signatures, your payoff amount from your current lender, and your title.

Yes, it's our recommendation that you have full coverage insurance on a vehicle that currently has a loan. If you need to provide us proof, please feel free to fax it to us.

Happy to Help

I have had several instances over the years when OKCU has helped me get through a financial pinch. The most recent situation was not a need but a want. OKCU allowed us to borrow the funds to take a dream vacation!
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Helping Oklahomans