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The majority of us purchase our cars and trucks using a loan, as it’s challenging to save the funds for an outright purchase. How nice it would be if this was a convenient process, but it’s really not. Creditors require lots of information before choosing to grant you a car loan. We make it possible to arrange your car loan more quickly, at a cost-effective rate, even when your credit isn’t the best.

A local Oklahoma City finance specialist can help you get approved for your auto loan, answering your questions at the same time.

Car Loan Rates in Oklahoma City

Keep in mind, the rates below should not be regarded as advertisements, but instead estimates at the time of publication. Your exact interest rate will be determined by several variables, including loan provider, down payment, monthly income, loan-to-value ratio, etc.

Credit Score New Car Used Car
Excellent 3.6% 4.3%
Good 4.8% 5.8%
Average 6.8% 8.4%
Subprime 9.7% 10.2%
Bad 12.7% 13.9%
Very Bad 13.6% 15.1%

Used Auto Loans in Oklahoma City

Used cars and trucks don’t cost somuch, but the rates are somewhat more expensive. That being said, a second hand car loan has a wealth of benefits, like:

  • Less percentage down required.
  • Cheaper sticker price.
  • Less risk of negative equity.

You can finance a low-mile used vehicle for a fraction of what it costs to finance a brand new one.

Years Old Price APR Months Payment Interest Total Cost
New $28,800 6.00% 60 $556.78 $4,607 $33,407
1 Year $23,040 7.50% 60 $461.67 $4,660 $27,700
2 Years $19,584 7.50% 60 $392.42 $3,961 $23,545
3 Years $16,646 7.50% 60 $333.56 $3,367 $20,014

Are you interested in pre-owned car? As a rule, you can get a car loan for a car that is up to 10 years old. Mileage restrictions often apply.

Poor Credit Auto Loans in Oklahoma City

Credit ratings of less than 680 are often regarded as subprime, and those less than 620 are simply bad. To help set your rate of interest, banks and finance companies check your history with prior auto loans and leases. In decades past, there weren’t but a few non-bank lenders who would grant auto loans for those with credit problems. Now many loan companies, and also some banks and credit unions, have subprime finance teams.

In Oklahoma City, buy here pay here car lots end up serving a large proportion of the bad credit demographic The cons are substantial: exorbitant rates and multitudinous stipulations.

You’ll want to keep clear of these car lots whenever possible, securing an auto loan on the web. The down payments are lower, as are the loan rates, and the service is much better.

Best of all, you can submit your application online.

No Money Down Financing in Oklahoma City

In most situations, you’ll still need some actual cash to finance a car, as a down payment of 10-20% is typically required. Generally, there are a couple of prerequisites for a zero down car loan:

  • The car is brand new.
  • The shopper has an extremely good FICO score.

By submitting an application online, you may maximize your odds of obtaining this sort of an offer. Lenders and car dealers are able to view your preferred down payment ahead of time. Simply put 0 in the down payment field, and the financing expert will get it.

Oklahoma City Resources

Credit Unions

Credit UnionStreet addressZipTelephone
Advancial701 NW 63rd St73116(405) 840-2442
AllegiancePO Box 5702073157(405) 789-7900
Allegiance101 N Robinson Ave73102(405) 789-7900
Allegiance12200 S Western Ave73170(405) 789-7900
Allegiance4235 N Meridian Ave73112(405) 789-7900
Baptist Medical Center3400 Nw Expy73112(405) 945-4770
Cherokee Strip Credit Union1301 N Waverly Pcy73101(405) 971-1194
Communication FCU4141 NW Expressway Hwy73116(405) 879-5691
Credit Union One Of OklahomaPO Box 5300573152(405) 557-0167
Credit Union One Of Oklahoma2400 N Lincoln Blvd73105(405) 557-0167
Credit Union One Of Oklahoma3330 N Lincoln Blvd73105(405) 557-0167
Credit Union One Of Oklahoma14101 N May Ave #10173134(405) 752-8663
Credit Union Service Center6312 E Reno Ave73110(405) 732-4848
CSH Federal Credit Union1326 Alameda73128(405) 701-1330
FAA8230 NW Express Way73162(405) 682-1990
FAA3805 S Western Ave73109(405) 682-1990
FAA10201 S Western Ave73139(800) 448-1990
FAA5710 SW 63rd St73159(405) 682-1990
Farmers Insurance Group7340 W Memorial Rd73142(800) 877-2345
Howard Henson & Associates- Inc.913 NW 92nd St73114(800) 223-6532
Integris4900 N Portland Ave #10173112(405) 947-3730
Integris4200 S Douglas Ave #10073109(405) 644-6121
Integris Federal Credit Union4900 N Portland Ave73112(405) 947-3730
Members Trust of the Southwest FCU1204 S Agnew Ave73108(405) 235-8543
Midwest City Credit Union3210 Belaire Dr73110(405) 732-5554
Municipal Emps Cu Of Oklahoma City101 N Walker Ave73102(405) 813-5500
Municipal Emps Cu Of Oklahoma City3561 W Memorial Rd73134(405) 813-5564
Municipal Emps Cu Of Oklahoma City9012 N Council Rd73132(405) 813-5570
Municipal Emps Cu Of Oklahoma City8812 S Walker Ave73139(405) 813-5550
Oklahoma517 NE 36th St73105(405) 524-6467
Oklahoma2401 NW 23rd St73107(405) 943-9959
Oklahoma921 NE 13 Street Rm 1B-11373105(405) 456-3114
Oklahoma Educators6001 Northwest Expy73132(405) 722-2234
Oklahoma Educators Credit Union6001 Northwest Expressway Street73132(405) 722-2234
Oklahoma Employees636 NE 41st St73105(405) 606-6328
Oklahoma Employees15100 N May Ave73134(405) 606-6328
Oklahoma Employees3020 N Stiles Ave73105(405) 606-6328
Oklahoma Employees7230 Nw Expy73132(405) 606-6328
Oklahoma Employees200 NE 21st St73105(405) 606-6328
Oklahoma Employees9000 Broadway Ext73114(405) 475-3608
Oklahoma Employees530 SW 119th St73170(405) 606-6328
Oklahoma League For The Blind501 N Douglas Ave73106(405) 232-4644
Oklahoma R E & T Employees Credit Union54309 Po Box73154(405) 478-0046
Oklahoma Re&T EmployeesPO Box 5430973154(405) 478-0046
Oklahoma Re&T Employees2325 E I 44 Service Rd73111(405) 478-0046
Ou Federal Credit Union2000 N Lindsay Ave73105(405) 325-2211
Santa Fe Credit Union2401 NW 23rd St #60b73107(405) 943-9959
Ssmok EmployeesPO Box 6034773146(405) 272-6100
Ssmok Employees1000 N Lee Ave #321473102(405) 272-6100
Teachers900 N Klein Ave73106(405) 232-8288
The Focus420 NE 10th St73104(405) 230-1328
The Focus5501 N Portland Ave73112(405) 512-5970
The Focus4200 W Memorial Rd73120(405) 752-3632
The Focus4200 S Douglas Ave73109(405) 636-7612
TinkerPO Box 4575073145(405) 732-0324
Tinker4140 Interstate 4073108(405) 732-0324
Tinker1177 NE 23rd St73111(405) 732-0324
Tinker9601 S Pennsylvania Ave73159(405) 732-0324
Tinker4626 NW 39th Expy73122(405) 732-0324
U. S. Employees O. C.PO BOX 4400073144(405) 685-6200
U. S. Employees O. C.4025 W Reno Ave73107(405) 685-6200
U. S. Employees O. C.301 NW 6th St73102(405) 685-6200
U. S. Employees O. C.2705 Nw Expy73112(405) 685-6200
U. S. Employees O. C.4301 S Interstate 44 Service Rd73119(405) 685-6200
U. S. Employees O. C.215 Dean a McGee Ave73102(405) 685-6200
Weokie26090 Box Canyon Rd73142(405) 235-3030
Weokie7600 S Pennsylvania Ave73159(405) 235-3030
Weokie2727 SW 15th St73108(405) 235-3030
Weokie8100 W Reno Ave73128(405) 235-3030
Weokie5909 Northwest Expy73132(405) 235-3030
Woods121 SW 89th St73139(405) 632-5300