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Lobbies Open by
Appointment Only

Per the City of OKC's request to slow the spread of COVID-19, our branch lobbies are open by appointment only. 

The best Auto Loan for you.

Competitively Low Auto Loan Rates

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Take advantage of low auto loan rates and 100% financing for qualified buyers.
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Get Pre-Approved

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Get pre-approved so you can flex those negotiating muscles to get the best possible price.
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Local Lending

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Relationships matter. Know you’re getting the best deal possible by working with your local partner.
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ALL THE PROTECTION YOU NEED

Mechanical Breakdown Coverage Is Key

Our Route 66 Extended Warranty is a comprehensive mechanical breakdown coverage policy. With our coverage there are no deductibles, you can take your vehicle to any mechanic, and the policy helps cover a rental car.

You’ll enjoy "Peace of Mind" because even the most reliable vehicle can develop a mechanical problem.
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WE HAVE YOUR BACK

Covering The Gap

If you’re purchasing a new car you might want to consider Gap Coverage. This is an optional car insurance coverage that helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

Another huge benefit is that if you use our coverage, the Gap company will pay $1,000 towards your new auto loan if financed through Allegiance CU.
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PEACE OF MIND

Allegiance Payment Protection Coverage

By electing Payment Protection on your loan, you can rest easy knowing you’re covered in life’s most unpredictable events. Payment Protection includes coverage options for life, unemployment, and disability payment coverage.

Payment Protection is offered by Allegiance for a low monthly premium that can usually be added into your loan.
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CUSTOMIZED AUTO INSURANCE

Protect Your Vehicle With The Right Coverage

Whether you own or lease your vehicle, it is important to protect it from theft and damage. Making sure your vehicle and family are protected with the right coverage is critical. Don't wait until you have an accident to make sure your coverage is right.

Work with MemberHaven insurance agents to design an insurance package tailored just for you.
MemberHaven.com

Auto Loan Rates

Get pre-approved so you know how much car you can afford.
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*APR = Annual Percentage Rate. Receive up to 0.50% discount on your quoted rate if you have direct deposit with ACU and set up automatic payments. Advertised "as low as" rates are reflective of this discount. In the event the automatic debit or direct deposit is discontinued from the account, the original loan rate will be reinstated effective immediately. Discount cannot result in APR falling below the floor rate.

Term
APR* (as low as)
APR* (as high as)
Term
60 Months
APR* (as low as)
2.25%
APR* (as high as)
12.25%
Term
72 Months
APR* (as low as)
2.25%
APR* (as high as)
10.60%
Term
78 Months
APR* (as low as)
2.40%
APR* (as high as)
5.00%
Term
84 Months
APR* (as low as)
2.50%
APR* (as high as)
5.24%
Effective November 16, 2020
Term
APR* (as low as)
APR* (as high as)
Term
Up to 60 Months
APR* (as low as)
2.48%
APR* (as high as)
12.74%
Term
61-72 Months
APR* (as low as)
2.63%
APR* (as high as)
11.00%
Term
73-78 Months
(2017 or Newer)
APR* (as low as)
2.75%
APR* (as high as)
5.55%
Term
79-84 Months
(2018 or Newer)
APR* (as low as)
2.85%
APR* (as high as)
5.85%
Effective November 16, 2020
Term
APR* (as low as)
APR* (as high as)
Term
Up to 60 Months
APR* (as low as)
4.30%
APR* (as high as)
18.00%
Term
61-72 Months
APR* (as low as)
4.55%
APR* (as high as)
8.00%
Effective November 16, 2020

*APR = Annual Percentage Rate. Receive up to 0.50% discount on your quoted rate if you have direct deposit with ACU and set up automatic payments. Advertised "as low as" rates are reflective of this discount. In the event the automatic debit or direct deposit is discontinued from the account, the original loan rate will be reinstated effective immediately. Discount cannot result in APR falling below the floor rate.

$${amount}/mo

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HOW MUCH CAR CAN YOU AFFORD

Our Best Auto Loan Rates - New Or Used

Allegiance’s New or Used Auto Loan will get you behind the wheel in record time. You may even be able to afford more than you think! Your actual payment will be provided upon approval and acceptance of the loan.

Get your money’s worth!

Before you step inside the dealership, we offer pre-approved auto loans for extra bargaining power.

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Trust matters!

You can count on Allegiance to support  your budget and not encourage you to overspend.

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HERE FOR YOU

Lending Options Made For You

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Vehicles For Sale
View ACU vehicles for sale at First Rate Autos. No hassle purchasing and low rates available!
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AutoSMART Vehicle Search
Search for your next vehicle by make, model, type, or closest dealership and apply immediately!
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No Negotiating Headaches
Get pre-approved for additional bargaining power when you find the car of your dreams.
At Allegiance our staff is all about giving you lending solutions that meet your needs. We aren’t here to up-sell you into more car than you need or can afford. We’re here to make sure you get the best rates and service possible.
APPLY NOW
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Vehicles For Sale
View ACU vehicles for sale at First Rate Autos. No hassle purchasing and low rates available!
silhouette of man and child near lake
AutoSMART Vehicle Search
Search for your next vehicle by make, model, type, or closest dealership and apply immediately!
Woman being carried on mans back
No Negotiating Headaches
Get pre-approved for additional bargaining power when you find the car of your dreams.
CAR BUYING MADE EASY

Claim your FREE copy!

Free car buying guide to help your bottom line.

This free guide includes money saving tips to help your buy and finance your next vehicle.

What this guide includes:
  1. Best time to buy and finance your next vehicle
  2. MSRP meaning and how it impacts the sale price
  3. Loan rate search tips 
  4. Auto loan calculator tips
  5. Refinancing tips

SOLID ADVICE YOU CAN TRUST

Is It The Right Time To Buy A Car?

Let the team at Allegiance help you navigate the complicated car-buying process! Our member service staff are always looking for ways to help members improve their lives and make sound financial decisions. 

Our goal is to give you advice and lending solutions that meet your needs. We aren’t here to up-sell you into more car than you need or can afford. We’re here to make sure you get the best new and used car loan rates and service we can possibly deliver. 

 

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It’s hard enough finding the best new or used car for your needs. We want to make the lending process seamless and worry-free.

You can count on the lending team at Allegiance to give you trustworthy advice about when to buy a new or used car and how much you can responsibly afford to spend.

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Find the Right Car

Search our inventory

FIND THE RIGHT CAR FOR YOU

AutoSMART Car Search

AutoSMART lets you search for new and used cars or trucks by make, model, type, or closest dealership. Once you find what you’re looking for, you can apply for an Allegiance auto loan online. Enjoy a simpler, smarter car-buying experience today!
AutoSMART.com

FAQ

Have more questions?

We are here to answer all of your questions. Let us know how we can help!

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. 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?

The Credit Union will finance vehicles with “rebuilt” titles.  Restrictions do apply though, so please use our Video Banking to speak with a loan specialist.

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.

Using Calculator App on Smartphone
Free Financial Calculators

Access our complete library of both loan and deposit calculators.