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Hassle-Free Auto Loans

Getting financed for a new or used auto is easy peasy. Since we are a credit union and not-for-profit, we are able to offer lower interest rates than other financial institutions. If you’re not currently a member of Oklahoma Central, no worries. Go ahead and submit your application and a Member Financial Representative will contact you.

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Auto loan rates as low as 2.89% APR* and no payments for up to 3 months

Helpful Tools

Finance at the Dealership

Connect to dealerships that offer affordable credit union financing.

You can rest assured knowing that Oklahoma Central is available at more than 40 dealerships in and around the Tulsa area to fund your new car or truck loan. When you find the vehicle you want, tell the dealer you want your loan from Oklahoma Central, complete the paper work at the dealership and in no time your loan is approved.

Members may take advantage of this great service at these dealerships.

Shop Dealer Inventory - Hassle-Free

Search for your perfect car at our preferred dealers using Oklahoma Central AutoSmart. AutoSmart puts the dealer's inventory at your fingertips. Compare vehicles, dealers, prices and more to make sure you get the car of your dreams at the price you deserve. You can also apply for a loan on the spot. It is the smart, hassle-free way to buy a car.

Adventure Awaits at great rates RV Loana as low as 4.99% APR1

Specialty Vehicle Loans

No matter how you move – by ATV, boat or RV – Oklahoma Central can help you get there. We’ve got affordable financing with great rates on loans for your favorite toys, so take advantage of our easy financing options today.

Financing available on:

RV Loans

Packing for your next family adventure should be the hardest part of the process. We want to keep it that way by providing easy, affordable financing for your next RV, camper, motorhome, or travel trailer.

Loan details:

  • Competitive rates as low as 4.99% APR1
  • Pre-approval available to use as leverage as you shop around
  • Finance at one of our partner dealers
  • Loan terms up to 180 months
  • Up to 100% financing
  • No prepayment penalty
  • Debt Protection available

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Don't want to apply online?

Stop by any branch location or call 918-664-6000, select option 2, to speak with a Member Representative.

Motorcycle & ATV Loans

Get your motor running and head out on the highway or trail knowing you got a great rate. Use our motorcycle and ATV loans to pick out your new toy whether it be a motorcycle, four wheeler, quad or side-by-side.

Loan details:

  • Competitive rates as low as 5.99% APR2
  • Pre-approval available to use as leverage as you shop around
  • Loan terms up to 72 months
  • Up to 100% financing
  • No prepayment penalty
  • Debt Protection available

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Don't want to apply online?

Stop by any branch location or call 918-664-6000, select option 2, to speak with a Member Representative.

Boat & Personal Watercraft Loans

The open water is calling your name. We can help you get there with quick, practical financing options on boats, trailers, motors and personal watercrafts.

Loan details:

  • Competitive rates as low as 4.99% APRon boats
  • Rates as low as 6.99% APRon personal watercrafts
  • Pre-approval available to use as leverage as you shop around
  • Can be used for cruisers, ski boats, pontoon boats, houseboats, sailboats, fishing/bass boats, jet skis and more
  • Loan terms up to 180 months on boats and 60 months on personal watercrafts
  • Up to 100% financing
  • No prepayment penalty
  • Debt Protection available

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Don't want to apply online?

Stop by any branch location or call 918-664-6000, select option 2, to speak with a Member Representative.

Tractor Loans

If you are in the market for a new or used tractor and need financing, then look no further. We now offer tractor loans with:

  • Competitive rates as low as 4.49% APR4
  • Loan terms up to 60 months
  • Up to 100% financing
  • No prepayment penalty
  • Debt Protection available

Apply NowCheck Rates

Don't want to apply online?

Stop by any branch location or call 918-664-6000, select option 2, to speak with a Member Representative.

*APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/21 and 72-month financing. A $15,000 loan at 2.89% APR, with 72 monthly payments, will be $228 per month. Other rates and terms available. Rates subject to change. Offer applies to new auto loans and refinanced new auto loans not originated with Oklahoma Central. Restrictions apply. New auto loan is defined as a 2020 or 2021 model year auto with less than 6,000 miles.

1APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/21 and 60-month financing. A $10,000 loan at 4.99% APR with 60 monthly payments will be $189 per month. Other rates and terms available. Rates subject to change.

2APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/21 and 60-month financing. A $10,000 loan at 5.99% APR with 60 monthly payments will be $194 per month. Other rates and terms available. Rates subject to change.

3APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/21 and 60-month financing. A $10,000 loan at 6.99% APR with 60 monthly payments will be $198 per month. Other rates and terms available. Rates subject to change.

4APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/21 and 60-month financing. A $15,000 loan at 4.49% APR, with 60 monthly payments, will be $280 per month. Other rates and terms available. Rates subject to change.

Related Educational Opportunity

Learn about different finance options, fixed and variable interest rates, how monthly payments are calculated and organizations that protect consumer's interests.

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