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Auto Loans

For All The Roads Ahead

Whether it’s your first car, an upgrade, or time to refinance, Allegiance Credit Union has Car Loan options that fit your budget and lifestyle.

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Auto loans in oklahoma city

Start Your Auto Loan Application Today

Auto Loan Rates

Term
APR* (as low as)
APR* (as high as)
Up to 36 Months
3.49%
17.99%
48 Months
3.99%
16.99%
60 Months
4.99%
17.99%
72 Months
5.49%
14.24%
84 Months
5.99%
11.24%
Effective Date December 22, 2025

Auto Loan Rates

Term
APR* (as low as)
APR* (as high as)
Up to 48 Months
5.99%
17.99%
Up to 60 Months
6.24%
17.99%
Effective Date November 5, 2025

*APR = Annual Percentage Rate. As low as rate includes 0.50% discount for automatic payments. Rates and terms subject to LTV, mileage, credit score, and model year restrictions.

Fueling New Adventures

Car Loan Features

Allegiance Credit Union’s Auto Loans offer Oklahoma drivers flexible, affordable financing for new or used vehicles. Members can borrow what they need with competitive rates and terms that fit their budget. It’s a smart way to get on the road.

Product Features_Wendy in Car No Icon

DISCOUNTED RATES

Get 0.50% off your quoted rate when you sign up for automatic payments!

ONLINE APP

Can't make it to the branch? No problem. Finance your car without ever stepping foot in a branch.

LOCAL LENDERS

Our loan officers live and work in the Oklahoma City area, just like you. 

CAR SEARCH ASSISTANT

Search our vehicle inventory online with AutoSMART Car Search.

Get $250 When You Finance Your Car Loan

Enjoy an extra $250* when you finance a new Auto Loan or refinance a loan from another institution with us! Fill out our quick form to claim your coupon!

New Website Allegiance Coupon (600 x 400 px) (5)

*Loan subject to approval. Minimum loan amount $20,000. Must mention coupon to loan officer. $250 cash bonus will be deposited into member’s account at the time of closing. Does not apply to internal refinances. Promotion starts January 22, 2024 and may expire at any time without notice.

Calculate Your Car Loan Payment

Auto Loan Calculator

Are you shopping for a car or truck in Oklahoma or looking to refinance your existing Auto Loan? Crunch the numbers with our Auto Loan Calculator to see what fits your budget—adjust loan amounts, rates, and terms to find your perfect payment.

*Your actual term and payment will be provided upon acceptance of an Allegiance Credit Union loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

auto loan calculator
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Get The Green Light In OKC

Get Pre-Approved For Your Car Loan

Hit the gas on your car-buying journey by getting pre-approved for your Auto Loan with Allegiance Credit Union. Having an auto loan pre-approval in hand helps you shop with confidence, clearly knowing your budget before you even step foot in the dealership.

It gives you the power to negotiate and speeds up the buying process because sellers know your financing is already in place. Start smart, get pre-approved today, and drive away with confidence!

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Auto Loan Protection Options

Gain financial security and extra assurance that you and your finances are covered from life’s unexpected turns with affordable Auto Loan protection options from Allegiance Credit Union.

What Is GAP Insurance?

If you’re purchasing a new car you might want to consider Guaranteed Asset Protection (GAP) Coverage. This optional coverage helps pay off your Auto Loan if your car or truck is totaled or stolen and you owe more than the car’s worth.

Another huge benefit is that if you use our coverage, the GAP company will pay $1,000 towards your next auto loan if financed through Allegiance Credit Union.

Coverage Options

Mechanical Breakdown Coverage

Protect your ride with our Route 66 Extended Warranty—comprehensive mechanical breakdown coverage that goes the extra mile. Enjoy zero deductibles, the freedom to choose any licensed mechanic, and rental car assistance when needed.

Even the most dependable vehicles can hit a bump in the road, but with our coverage, you’ll have true peace of mind wherever you go.

Coverage Options

Payment Protection

Add peace of mind to your loan with Payment Protection from Allegiance Credit Union. This optional coverage helps safeguard your payments in the event of unexpected life changes, like disability, unemployment, or loss of life. It’s available for a low monthly premium that is conveniently added to your loan.

Coverage kicks in when you need it most, helping to protect your credit and ease financial stress. With Payment Protection, you can focus on recovery, not repayment.

Coverage Options

Customized Car Insurance

Through our partnership with MemberHaven Insurance, we offer customizable coverage that meets all state requirements and can be bundled with other policies for additional savings.

Whether you need collision, comprehensive, or uninsured motorist protection, our tailored solutions ensure your family is covered. Drive confidently, knowing you have the right insurance at a competitive price. 

Coverage Options

  • What Is GAP Insurance?

    If you’re purchasing a new car you might want to consider Guaranteed Asset Protection (GAP) Coverage. This optional coverage helps pay off your Auto Loan if your car or truck is totaled or stolen and you owe more than the car’s worth.

    Another huge benefit is that if you use our coverage, the GAP company will pay $1,000 towards your next auto loan if financed through Allegiance Credit Union.

    Coverage Options

What Is GAP Insurance?

If you’re purchasing a new car you might want to consider Guaranteed Asset Protection (GAP) Coverage. This optional coverage helps pay off your Auto Loan if your car or truck is totaled or stolen and you owe more than the car’s worth.

Another huge benefit is that if you use our coverage, the GAP company will pay $1,000 towards your next auto loan if financed through Allegiance Credit Union.

Coverage Options
Member Referral_Krysi and Brandi

For All Your Friends And Family

Get Paid to Refer Your Friends

Allegiance Credit Union members can earn money just for referring friends and family!

  • Get $50 if you refer a new checking account!
  • Get $100 if you refer a loan over $10,000!

There are NO LIMITS to how many friends you can refer. Just tell your friends and family to mention your name at account opening or during the loan application process either in-branch or online.

Member Referral Program Details:

Members can earn $50 if their referral generates a new checking account. New account holder must mention the name of the person who referred them at account opening in-branch or on their online application. Cash bonus will be deposited to referring member's account within 30 days of account opening. Offer may be withdrawn at any time without notice.

Members can earn $100 if their referral generates a new loan of $10,000 or more. Loan applicant must mention the name of the person who referred them during the application process. Cash bonus will be deposited to referring member's account at the time the loan is funded. Offer may be withdrawn at any time without notice.

Dream Car, Delivered

AutoSMART Car Search: Your Car-Buying Assistant

AutoSMART allows you to explore new and used cars or trucks by make, model, type, or location, making your search easier than ever.

Once you find your perfect ride, apply for an Allegiance Auto Loan online and get fast, flexible financing. Start your stress-free, smarter car-buying journey today!

Find the Right Car

Search our inventory

Car_Laisha

Starting Your Journey With Confidence

First-Time Auto Buyer

Buying your first vehicle is a major milestone. This program removes many traditional barriers and gives members a strong opportunity to establish and build credit from the start.

  • No minimum credit score requirement
  • Designed for borrowers with no prior auto loan history
  • Maximum Loan Amount: $25,000
  • Maximum Term: 72 Months
  • Maximum Loan-to-Value (LTV): 95%
  • Rates based on loan term — not credit score

Call our loan officers directly at (405)789-7900, Option 2 or email clo@acuok.org to learn more about our first-time car buyer program.

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Download Your Free Copy!

Car Loans 101: Car Buying Made Easy

Buying a car is a major financial decision. As you head into the dealership to start shopping for a car, make sure you do your homework. Take some time to read this guide to learn what you need to know about cars and car loans.

Allegiance Credit Union Car Loans 101 eBook Guide Cover

Meet Your Auto Loan Team

taylor-mccarroll-headshot

Micheala Goines

Mortgage Loan Officer
NMLS #1663406
taylor-mccarroll-headshot

Taylor McCarroll

Mortgage Loan Officer
NMLS #2484009
taylor-mccarroll-headshot

Chrissy Wood

Mortgage Loan Officer
NMLS #470059
young woman using laptop at coffee shop

Flexibility When You Need it Most

Skip Your Payment

When you finance a loan at Allegiance, you have the ability to skip your loan payment twice a year if needed. 

Qualification details:

  • Account must be in good standing
  • Minimum monthly payment greater than $100
  • Loan payment cannot be more than 10 days past due
  • Have at least one payment applied since last skip (can't skip two months in a row)

The Skip-A-Payment option is available in online banking and the mobile app for consumer auto and personal loans, excluding balloon loans, first or second mortgages, home equity lines of credit, consumer lines of credit, FastCash loans, or certificate of deposit loans.

All Skip-A-Pays are subject to Allegiance Credit Union approval. Eligible loan(s) must be established with at least one payment made, and current, with no amount past due.

By participating in Allegiance Credit Union’s Skip-A-Pay program, you request that Allegiance Credit Union defer your loan payment(s) as indicated. You agree and understand that:

    • Finance charges will continue to accrue at the rate provided in your original loan agreement.
    • This extension will extend the maturity of the loan(s) by one month(s) beyond the current scheduled maturity date.
    • Interest will continue to accrue on the unpaid balance, and the final payment may be larger than originally disclosed due to the additional interest.
    • You will be required to resume your payments the following month.
    • A finance charge of $40 will be deducted from your savings or checking, or added onto the loan balance, per your choice at the time the request is made.
    • If you choose GAP, Warranty or Debt Protection Coverage, some products and/or insurance may alter the term and/or amount of coverage. Refer to your documentation or contact your coverage company for verification.
    • If you have an automatic payment scheduled from a Financial Institution other than ACU, you will need to make arrangements with them to cancel the payment prior to its processing. This can take several business days, depending on where your payment is debiting from.

* Ineligible loans include all balloon loans, first orsecond mortgages, home equity lines of credit, certificate of deposit, andFastCash loans. Additional restrictions may apply. The Skip-A-Pay program issubject to change at any time. Contact us for complete details.

 

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Drive Down Your Rate

Can You Refinance A Car Loan?

Yes, you can refinance your car loan in the Oklahoma City metro area with Allegiance Credit Union.

Refinancing your car loan can help you:

  • Secure A Lower Interest Rate
  • Reduce Your Monthly Payments
  • Shorten Your Loan Term

Whether you're looking to save money or change your loan structure, Allegiance offers competitive Auto Loan rates and flexible options for members!

Apply Now
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What Our Members
Are Saying

“Great service and smooth process for the loan!”

Christopher

“Allegiance was outstanding on helping us get a loan for our truck. I had called that morning to get approved and they had it done in a hour!”

Kim S.

First Rate Auto Repo Lot

Quality Vehicles At Low Prices

Repo Cars For Sale in OKC

First Rate Autos is designed with local car buyers in mind. Enjoy straightforward, clearly marked, and no-haggle pricing. 

With a diverse selection including repossessed vehicles, as well as cars acquired through auctions and private sellers, you are sure to find a variety of cars and trucks that meet your needs.

 

View Inventory

Additional Resources

Find out if buying or leasing is a better option for you

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7 Tips for Parents Buying the Best First Car for Their Teens

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Auto Loan Calculator tips can help you save image of car and calculator.

5 Tips You Should Know When Using an Auto Loan Calculator

Here's How to Make Sure You Don't Overpay for Your Car and Car Loan Everyone wants to get the best...

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Frequently Asked Auto Loan Questions

Do I need to get pre-approved before going to the dealership?

It’s not required, but suggested so that you’ll have extra bargaining power at the dealership and help streamline the buying process. Knowing how much you’re approved for ahead of time also helps you stick within your budget.

Do you finance Auto Loans outside of Oklahoma?

Yes, as long as you are an Allegiance member or qualify for membership, we will be happy to help you purchase an automobile located in a state outside of Oklahoma.

Can I get a loan on a vehicle with a rebuilt title?

Allegiance Credit Union will finance vehicles with “rebuilt” titles.  Restrictions do apply though, so please call us at 405-789-7900, option 3 to speak with a loan officer. 

What are the proof of insurance requirements?

We require a current insurance declarations page showing the following information:

  • A loss payable clause with the loss payee/lienholder listed as: Allegiance Credit Union.
  • A full collateral description, including the Vehicle Identification Number (VIN).
  • Comprehensive and collision coverage with a deductible that does not exceed $1,000.00.
  • The effective and expiration dates of the policy period.

Please note, insurance ID cards are not acceptable as proof of insurance.

How do I share the proof of insurance documents?

You can send this information in the following ways:
 

Can I get a loan on a vehicle with a salvaged title?

ACU will not finance vehicles with “salvage” or “lemon law buyback” titles as collateral.