Affordable Financing for Your Education
At Oklahoma Central Credit Union, we believe that education is an essential investment in your future. Whether you’re just beginning your college journey or are well on your way to earning your degree, we offer competitive and flexible undergraduate student loans to help you cover tuition, fees, books, and other expenses.
Why Choose Oklahoma Central Credit Union for Your Student Loan?

We understand that financing higher education can be challenging. That’s why we provide affordable student loan options designed to meet your needs. Our student loan program offers:
- Competitive Interest Rates: Get a low fixed or variable rate to make repayment manageable.
- Flexible Repayment Options: Choose from multiple repayment plans that fit your budget and financial situation.
- No Origination or Prepayment Fees: Unlike many traditional lenders, we charge no upfront costs or penalties for early repayment.
- Co-Signer Release Option: After making consecutive on-time payments, you may qualify to release your co-signer.
- Loan Amounts Tailored to Your Needs: Borrow only what you need to cover your expenses, up to the cost of attendance.
Eligibility Requirements
To qualify for an Oklahoma Central Credit Union undergraduate student loan, you must:
- Be enrolled at least half-time in a degree-granting program at an eligible college or university.
- Be a U.S. citizen or permanent resident.
- Be a member of Oklahoma Central Credit Union (or be willing to become one).
- Meet creditworthiness requirements or apply with a creditworthy co-signer.
How to Apply for an Undergraduate Student Loan
Applying for a student loan with Oklahoma Central Credit Union is easy! Follow these steps to secure the funding you need:
- Check Your Eligibility: Ensure that you meet the basic requirements listed above.
- Determine How Much You Need: Consider tuition, room and board, books, and other expenses to decide how much to borrow.
- Complete the FAFSA (Free Application for Federal Student Aid): Before applying for private loans, explore federal financial aid options.
- Gather Required Documents: You’ll need your school’s cost of attendance, personal identification, and income verification (if applicable).
- : Visit our website to fill out a secure loan application.
- Get a Decision: Our team will review your application and notify you of your approval status.
- Accept and Finalize the Loan: Once approved, review and sign your loan documents to secure funding.
Understanding Repayment Options
We offer several repayment plans to accommodate your financial situation:
- Immediate Repayment: Begin repaying principal and interest as soon as funds are disbursed.
- Interest-Only Payments: Make interest payments while in school and start full repayment after graduation.
- Deferred Repayment: Postpone payments until six months after graduation or dropping below half-time enrollment.
Ready to get started?
Benefits of Borrowing with a Credit Union
Unlike traditional banks, credit unions are member-owned, meaning we prioritize your best interests. By borrowing from Oklahoma Central Credit Union, you’ll benefit from:
- : Because we’re not-for-profit, we pass savings on to our members.
- Personalized Service: Our financial experts are here to help you navigate the student loan process.
- Financial Education Resources: Gain access to budgeting tools, credit-building resources, and more.
Additional Ways to Fund Your Education
Before taking out a private student loan, consider maximizing other sources of financial aid:
- Scholarships & Grants: Free money that does not need to be repaid.
- Federal Student Loans: Often come with lower interest rates and more flexible repayment options.
- Work-Study Programs: Earn money while gaining valuable work experience.
Get Started Today
Investing in your education is one of the most important decisions you can make. Oklahoma Central Credit Union is here to support you every step of the way. today or visit one of our branch locations to speak with a financial specialist about your undergraduate student loan options.
For more information, call us at 918-664-6000 select option 2, to speak with Member Services. Let us help you achieve your academic goals without financial stress!