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Car loans enable you to acquire a new car or truck, even if you don’t have the required cash in the bank. Whether you get approved, and what rate of interest you’re charged, depends mainly on your credit scores. Other factors:

  • Location (Tulsa)
  • Debt-to-income ratio
  • Down payment
  • Occupational history

If you need to secure the least expensive interest rate available, we can help.

You can let a local Tulsa finance professional direct you through the purchasing process. Even better, it takes just a couple of minutes to apply.

Auto Loan Rates in Tulsa

Down below we have interest rates you can expect at varying credit tiers. These aren’t to be regarded as advertisements. Exact rates differ.

Credit Score New Car Pre-owned 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 Tulsa

Options such as zero percent car loans and no money down are available on new cars when you have perfect credit. Intelligent consumers, however, usually purchase used cars. The numbers speak on their own.

Years Old Price Rate Months Payment Interest Total
New $19,800 6.00% 60 $382.79 $3,167 $22,967
1 Year $15,840 7.50% 60 $317.40 $3,204 $19,044
2 Years $13,464 7.50% 60 $269.79 $2,723 $16,187
3 Years $11,444 7.50% 60 $229.32 $2,315 $13,759

The moment it leaves the dealer lot, a new car loses nearly 25% of its value, and it continues depreciating every year. A vehicle that cost $19,800 new will be worth only about $11,444 after 36 months of ownership. Most finance companies will let you finance a pre-owned car up to ten years old, sometimes a little less, and some have a mileage cap of 100,000 miles.

Poor Credit Auto Loans in Tulsa

Have a FICO score in the mid to low 600s? Generally speaking, if you’ve got credit problems, an APR of less than 10% isn’t a possibility. Although below-average credit always leads to a higher interest rate, you can now request quotes from various loan creditors online.

In Tulsa, buy here pay here car dealerships end up catering to people who’ve got major credit problems of one type or another. No credit checks come at a price: exorbitant annual percentage rates, inflexible terms, and limited vehicles.

Whenever feasible, you want to secure your loan through one of the below lenders:

  • National or regional bank.
  • Credit union for which you’re eligible.
  • Vehicle finance company.

A dealership or auto finance specialist can help you obtain financing from one of these lenders. This is the way a lot of consumers get approved, and it’s substantially more affordable over time.

Best of all, you can submit your application online.

Minimizing Your Interest

Interest can account for a big portion of your monthly payment, especially when your credit score isn’t very good. First, it’s smart to fix any inaccuracies on your credit report. You can obtain your credit report cost free at, a service offered by the three major credit bureaus. Disputing discrepancies is actually pretty easy. You can do it yourself, or solicit one of the credit restoration agencies that serves Tulsa. Supplying an increased down payment or adding a cosigner who has solid credit could also lessen your interest rate.

No Money Down Auto Loans in Tulsa

Are you trying to purchase a car without a down payment? The vast majority of loan companies will do 100% financing, in some cases more, but the new buyer must have outstanding credit. By applying online, you may improve your chances of locking down such a deal, as dealerships are able to view your preferred down payment ahead of time.

Tulsa Resources

Credit Unions


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[tboot_table strip=”yes” border=”yes” hover=”yes” cols=”Credit Union,Address,Zip,Telephone” data=”American Airlines,Tulsa Base Administration Building,74116,(918) 292-3319,American Airlines Federal Credit Union,7666 E 61st St,74133,(918) 254-3284,American Postal Workers Union Afl-Cio,2875 E Admiral Pl,74110,(918) 834-9972,Azusa Federal Credit Union,8621 S Memorial Dr,74133,(918) 249-5953,BCBS of Oklahoma FCU,1401 S Boulder Ave,74119,(918) 560-2369,Communication,5970 E 31st St,74135,(405) 665-3760,Communication,100 W 5th St,74103,(918) 588-7580,Communication,108 E 8th St,74119,(405) 591-5500,Covenant,PO Box 55299,74155,(918) 459-3827,Credit Union Service Center,8102 S Lewis Ave,74137,(918) 299-5100,Credit Union Service Center,8421 East 61st St S,74133,(918) 250-7998,Dowell,5319 S Lewis Ave #111,74105,(918) 665-7662,Dowell,5319 S Lewis Ave,74105,(918) 665-7662,Dowell Federal Credit Union,7912 E 31st Ct #140,74145,(918) 665-7662,Encentus,1320 S Lewis Ave,74104,(918) 430-3500,Encentus,1924 S Utica Ave,74104,(918) 430-3500,Energy One,220 W 7th St,74119,(918) 699-7100,Energy One,110 W 7th St,74119,(918) 699-7131,Energy One,4500 S 129th E Ave,74134,(918) 699-7181,Energy One,2029 S Sheridan Rd,74112,(918) 280-2240,Energy One,6120 S Yale Ave,74136,(918) 699-7150,Energy One,2448 E 81st St,74137,(918) 699-7142,Fire Fighters,9200 E 41st St,74145,(918) 582-1191,First Tulsa,P.O. Box 470192,74147,(918) 619-9770,First Tulsa,12747 E 41st St,74146,(918) 619-9770,Fraternal Order Of Police,P O Box 691090,74169,(918) 836-9922,Fraternal Order Of Police,10110 E 11th St,74128,(918) 836-9922,Golden Eagle,585 N Memorial Dr,74115,(918) 836-6752,Group Service Employees,1215 S Boulder Ave,74119,(918) 551-3800,Hillcrest,1634 E 11th St,74104,(918) 579-7998,Hillcrest,1635 E 11th St,74120,(918) 579-7998,Morning Star,1014 E Pine St,74106,(918) 582-9422,My Choice,2192 S Sheridan Rd,74129,(918) 835-0634,Ok Members First,10832 E 31st St,74146,(918) 663-2050,Oklahoma Central,11335 E 41st St,74146,(918) 664-6000,Oklahoma Central,4132 E 51st St,74135,(918) 664-6000,Oklahoma Central,1 One Williams Center,74103,(918) 664-6000,Oklahoma Central,8080 S Yale Ave,74136,(918) 664-6000,Oklahoma Central,515 S Peoria Ave,74120,(918) 664-6000,Oklahoma Central,5350 S Peoria Ave,74105,(918) 664-6000,Oklahoma Central,8075 S Olympia Ave,74132,(918) 664-6000,Oklahoma Employees,717 S Houston Ave,74127,(405) 606-6328,Oklahoma Employees Credit Union,717 S Houston Ave #103,74127,(918) 582-0850,Red Crown,5001 E 91st St,74137,(918) 477-3200,Red Crown,5321 E 41st St,74135,(918) 477-3270,Riverwest,3856 Southwest Blvd,74107,(918) 445-1968,Saint Francis Employees,P.O. Box 350,74101,(918) 494-1810,Saint Francis Employees,6600 S Yale Ave,74136,(918) 494-1810,Saint Francis Employees,6161 S Yale Ave,74136,(918) 494-1431,Space Age Tulsa,11333 E Pine St #38,74116,(918) 438-0140,St John Tulsa Federal Credit Union,1743 Utica Square,74114,(918) 744-2962,State Farm,12222 State Farm Blvd,74134,(918) 621-3777,Tinker Federal Credit Union,8321 East 61st St S,74133,(918) 592-0324,Ttcu,11725 E 96th St,74133,(918) 749-8828,Tulsa,PO BOX 267,74101,(918) 610-0200,Tulsa,9214 S 78th E Ave,74133,(918) 610-0200,Tulsa,9323 E 21st St,74112,(918) 610-0200,Tulsa,3207 S Norwood Ave,74135,(918) 610-0200,Tulsa,401 E 4th St,74120,(918) 610-0200,Tulsa,7447 Riverside Pkwy,74136,(918) 610-0200,Tulsa Federal Employees Credit Union,1515 E 71st St,74136,(918) 492-2532,Tulsa Metro,4608 S Garnett Rd #501,74146,(918) 392-0180,Tulsa Municipal Employees,1120 W 17th St,74107,(918) 582-7573,Tulsa Postal & Community,1419 S Denver Ave,74119,(918) 582-1965,Tulsa Postal & Community,2132 S 91st E Ave,74141,(918) 828-9959,Tulsa Teachers,P O Box 4999,74159,(800) 234-8828,Tulsa Teachers,140 E Pine St,74106,(918) 749-8828,Tulsa Teachers,3720 E 31st St,74135,(800) 234-8828,Tulsa Teachers,14501 E 21st St,74108,(918) 749-8828,Tulsa Teachers,10081 E 81st St,74133,(918) 749-8828,Tulsa Teachers,8222 S Lewis Ave,74137,(918) 749-8828,United Members,4833 S Sheridan Rd #401,74145,(918) 663-9303,United Members Federal Credit Union,4833 S Sheridan Rd,74145,(918) 663-9303,Western Sun,3356 Southwest Blvd,74107,(918) 446-6317,Western Sun Deferal Credit Union,907 S Detroit Ave,74120,(918) 858-9229,Western Sun Federal Credit Union,1505 W 17th St,74107,(918) 594-6677,Wilserv Credit Union,2 E 1st St,74103,(918) 732-3100″][/tboot_table]