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.
Auto loan rates as low as 5.99% APR* and no payments for up to 3 months
Finance at the Dealership
Connect to dealerships that offer affordable credit union financing.
Explore hassle-free car financing with Oklahoma Central Credit Union auto loan rates at more than 40 dealerships in and around the Tulsa area. When you find your desired vehicle, simply inform the dealer you prefer your loan from Oklahoma Central, complete the paperwork at the dealership, and enjoy a swift loan approval process
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 OCCU 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.
Specialty Vehicle Loans
Whether you're hitting the open road in an RV, cruising the waves in a boat, or exploring off-road trails on an ATV, Oklahoma Central is here to help you finance your favorite recreational vehicles. Our credit union offers affordable financing with competitive rates, making it easy for you to turn your dreams of adventure into reality.
Financing available on:
RV Loans
Embark on your next family adventure with ease, knowing that Oklahoma Central Credit Union is here to make financing your RV, camper, motorhome, or travel trailer a simple and affordable process. We believe that packing for your journey should be the most challenging part of your adventure, and our RV loans are designed to keep it that way.
Loan details:
- Competitive rates as low as 8.74% 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
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:
- 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
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
Answer the call of the open water with the support of Oklahoma Central Credit Union, offering swift and practical financing options for boats, trailers, motors, and personal watercrafts. Whether you're dreaming of cruising the waves on a boat or enjoying the thrill of a jet ski, our competitive rates and flexible terms make it easy for you to make a splash.
Loan details:
- Competitive rates as low as 8.74% APR1 on boats
- Rates as low as 9.99% APR3 on 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
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 9.99% APR4
- Loan terms up to 60 months
- Up to 100% financing
- No prepayment penalty
- Debt Protection available
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 01/24/25 and 60-month financing. A $10,000 loan at 5.99% APR, with 60 monthly payments, will be $194 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 04/01/25 and 60-month financing. A $10,000 loan at 8.74% APR with 60 monthly payments will be $207 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 04/01/25 and 60-month financing. A $10,000 loan at 9.99% APR with 60 monthly payments will be $213 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 04/08/25 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.
4APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/08/25 and 60-month financing. A $15,000 loan at 9.99% APR, with 60 monthly payments, will be $319 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.
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.
