Auto Loans

Whether you're buying a new or used vehicle, refinancing your current auto loan, or financing a recreational vehicle, Oklahoma Central Credit Union offers competitive loan options for drivers across Oklahoma. 

  • Competitive auto loan rates for new and used auto loans
  • Fast pre-approval to help you shop with confidence 
  • Flexible loan terms designed to fit your budget
  • No payments for up to 3 months

Explore Auto Loan Options

Whether you're buying a vehicle, refinancing your current loan, or financing a recreational vehicle, OCCU has options designed to fit your needs. 

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New & Used Auto Loans

Finance your next vehicle with competitive rates and flexible loan terms designed to fit your budget.

<p>Apply Now</p>

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Auto Loan Refinancing 

Lower your monthly payment, reduce your rate, or find a loan term that works better for you.

<p>Refinance Your Loan</p>

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Recreational Vehicle Loans 

Finance motorcycles, boats, RVs, tractors, and more with loan options built for your lifestyle.

<p>Explore Recreational Loans</p>

Auto Loan Rates

We offer competitive auto loan rates for new and used vehicles to help keep your monthly payments affordable.

Loan Type

Rates

Vehicle 2025-2027

As low as 4.49% APR*

Vehicle 2023-2024

As low as 4.49% APR1

Vehicle 2021-2022

As low as 5.69% APR2

Vehicle 2017-2020

As low as 7.99% APR3

Vehicle 2016 & Older

As low as 9.99% APR4

Ready to apply for an auto loan?

Apply online in minutes and get on the road faster.

<p>Apply for an Auto Loan</p>

Why Choose an Auto Loan with OCCU?

We make auto financing simple, affordable, and built around your needs. 

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Competitive Rates

As a not-for-profit credit union, we offer competitive auto loan rates that are often lower than those of traditional banks. 

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Flexible Terms

 Get the vehicle you want with flexible loan terms and financing options designed around your budget. 

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Fast Pre-Approval

Know your budget before visiting the dealership with a fast and simple pre-approval process. 

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Local Support

Work directly with a local lending team focused on helping you find financing that fits your needs.

Helpful Tools & Resources 

Explore tools and resources to help you plan, compare, and shop with confidence.

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Auto Loan Calculator

Estimate your monthly payment and find a loan that fits your budget.

Calculate Your Payment

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Compare Financing Options

See how dealer financing compares to credit union financing with our payment comparison tool.

Compare Options

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Shop New Vehicles

Browse available new inventory to find your next vehicle before you apply.

Shop New Vehicles

Looking for used vehicles? Browse available used inventory 

Frequently Asked Questions

Credit requirements vary based on several factors, including income, debt, and the vehicle being financed. OCCU considers multiple factors when reviewing auto loan applications.

Approval times can vary, but many applications are reviewed quickly during normal business hours. Our team works to make the process as simple and efficient as possible. 

You’ll typically need a valid ID, proof of income, employment information, and details about the vehicle you’re purchasing, if available.

Getting pre-approved gives you a better idea of your budget before you start shopping. It can also help streamline the buying process and give you more confidence when visiting a dealership. 

Yes. Refinancing your current auto loan may help lower your rate, reduce your monthly payment, or better fit your financial goals.

If you’re having trouble making a payment, contact us as soon as possible. Depending on your situation, options like Skip-a-Pay may be available to help give you temporary financial flexibility.

Yes. You can pay off your auto loan early without prepayment penalties.

Yes. We offer additional protection options like GAP coverage and extended protection plans to help protect your vehicle and reduce unexpected out-of-pocket costs. 

Yes. OCCU offers financing for both new and used vehicles, with competitive rates and flexible loan terms available for qualified borrowers. 

Qualified borrowers may be eligible for no payments for up to 3 months on certain auto loans. Contact OCCU for current eligibility requirements and details. 

Yes. OCCU offers a First-Time Auto Buyer Program designed to help qualified borrowers purchase their first vehicle with affordable financing options and guidance throughout the process. 

Yes. If you're purchasing a vehicle in your business's name, Oklahoma Central offers financing for eligible business-owned vehicles. Whether you're looking to buy a car through your business, finance a business vehicle, or title a vehicle in your business's name, learn more about our business vehicle financing options. 

*APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 4.49% APR, with 60 monthly payments, will be $186 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

1APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 4.49% APR, with 60 monthly payments, will be $186 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. 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 07/01/26 and 60-month financing. A $10,000 loan at 5.69% APR, with 60 monthly payments, will be $192 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. 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 07/01/26 and 60-month financing. A $10,000 loan at 7.99% APR, with 60 monthly payments, will be $203 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. 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 07/01/26 and 60-month financing. A $10,000 loan at 9.99% APR, with 60 monthly payments, will be $212 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.