Oklahoma Auto Loan Financing | WEOKIE Banking & Loans

Your Next Auto Loan is Waiting at WEOKIE

Open-Road---GettyImages-86493364_Road-810 Whether you’re shopping for a new or used vehicle, the purchase of a car is one of life’s major financial decisions. Not only do you have to figure out what you can comfortably afford in terms of monthly payments, but you also have to consider the cost of insurance, gas, parking, and maintenance.

With our low rates and excellent service, WEOKIE Federal Credit Union is proud to offer auto loan payments and terms that fit both your needs and your wallet. WEOKIE, a Federal Credit Union in Oklahoma, has earned a reputation for offering the lowest auto rates in the Oklahoma City area. We often get people behind the wheel of a new vehicle after other lending institutions have turned them down.

Finance Your Car Loan with us and Get 1% Cash Back!**

When you finance a new, used, or refinance your existing car loan from another lender, not only will you get a low financing rate, we'll give you 1% CASH BACK (up to $250)!**

Rates as low as 3.24% APR.*
Up to 60 days no payment***
Terms up to 84 Months.
up to 130% financing available
Free, no-hassle car-buying services such as TrueCar, First Rate Autos, and Enterprise.
Get a quote for discounted car insurance.

Refinance with WEOKIE and SAVE

Our goal is to help you keep your hard-earned money in your pocket. If you have an auto loan somewhere else, we can likely reduce your monthly payments. Refinancing your vehicle is quick and easy and offers significant savings.

And as a bonus get 1% CASH BACK and 60 days no payment!

We Are Affordable Auto Loan Experts

WEOKIE can help you get a loan payment that fits both your needs & your budget!

We believe that access to transportation is important, and therefore strive to provide affordable auto loan options for all.

Up To 100% Financing Available.
Terms up to 84 months.
Payments deferred up to 60 days
Protection options, including payment protection and mechanical repair coverage, are available.

Restrictions apply. Ask a WEOKIE rep for details.

Other Vehicle Loans

Let the fun begin. It just takes a few minutes to apply.

Whatever type of vehicle you want, WEOKIE offers flexible financing to purchase or refinance new or used recreational vehicles, including motorcycles, boats, RVs, ATVs, and personal watercraft. We also offer loans for commercial vehicles, trailers, and more. You may be able to lower your monthly payment when you refinance your current recreational vehicle with us.

Boat Loans

A quick and easy application combined with low boat loan rates will have you on the water in no time.

Motorcycle Loans

Get the motorcycle you want at a payment you can afford.

Recreational Vehicles

Ready to hit the open road? Or maybe the rugged trails with an ATV or UTV? WEOKIE can help you get started.

Commercial Use

We make it easy to purchase or refinance new or used vehicles needed for your business.

What’s the WEOKIE difference?

WEOKIE is a not-for-profit credit union, not a bank. That means that unlike a bank, which is focused on earning a profit for its stakeholders, we focus on returning our profits to our members by offering lower fees and lower interest rates.

When you join WEOKIE as a member, you become a part-owner of our credit union. In addition to great loan rates, you become eligible for exclusive discounts, financial education resources, and premier online banking services.

Another reason to finance your car with us is that we look beyond the numbers to the person filling out the application. We consider other factors beyond your current credit score when we review your application.

“Tonya was my lending specialist and made getting my auto loan a complete, professional, effortless joy. Can’t think of any other time when I bought a vehicle when it only took a couple of hours instead of days. Thank you WEOKIE for the absolute joy of buying a pickup.” - Dale T.

WE'RE HERE TO HELP ITIN HOLDERS

If you have an ITIN rather than a Social Security Number (SSN), we can help you

At WEOKIE we are committed to supporting everyone in our community in their financial journey. Whether you are looking to buy a car, truck, SUV; or even finance a boat or RV, WEOKIE has options for applying with a Social Security Number (SSN) or an Individual Tax Identification Number (ITIN). We offer the same great products, affordable fees, and terms. If you are ready to get started, WE are ready to help you finance your next major purchase.

Options:

Our simple online application may take about 5 minutes to complete.

- Talk to a friendly WEOKIE lending professional today by calling us at 405-235-3030 or 1-800-678-5363

- Stop by your nearest branch

WEOKIE makes Oklahoma auto loans convenient

We know your time is valuable, so we’ve made applying for a WEOKIE auto loan easy and convenient. We have 13 locations, and you can apply in person, over the phone, or online. In many cases, we can complete the entire process electronically.

Our simple online application takes only about five minutes to complete. We’ll contact you – often the same day you apply -- on the status of your approval. Your loan will be funded once the process is complete and the title has been obtained.

You can use our 24/7 online auto loan calculator to get the process underway on your schedule. If you have an auto loan with another lender, calculating your possible WEOKIE auto loan payment only takes a few minutes. The chances are good we can save you money!

Do you have bad credit or no credit? At WEOKIE, we believe you deserve the chance to have a reliable vehicle with a realistic payment schedule regardless of your credit history. Our Smart Path loan program will show you how to make car ownership a reality for you.

Do you already have a specific car in mind? Are you still searching for the right vehicle for your family? You can shop online with AutoSMART and our dealer partners, including Truecar, First Rate Autos, and Enterprise Car Sales. We partner with dealers you know and trust so that we can offer you a vast inventory to find your next vehicle. Just let your salesperson know that you will be financing with WEOKIE. If you’re leaning toward a private party purchase, you can count on us too.

We are eager to help you save money, whether you’re buying your very first car or refinancing an existing car loan. We can even send over your signing documents electronically to make things super easy.

Just apply for your loan online, call us at 405-235-3030 or 800-678-LEND, or stop by one of our 13 OKC Metro area locations.

Let us help put you behind the wheel of that new or new-to-you vehicle today.

Bad Credit? No Credit?
No Problem

Our Smart Path Loan Program Will Show You The Way To Car Ownership - With a Great Low Rate of 9.99% APR.²

For people with less-than-perfect credit or no credit at all, we have developed our Smart Path Auto Loan Program. It is an awesome solution to make sure you still have access to a reliable car at a reasonable interest rate of 9.99% APR. Because we believe that you deserve the chance to cruise around in a good car with a realistic payment, regardless of your credit history.

WEOKIE is proud to provide you with convenient car buying services through our trusted partners. It’s WIN-WIN whomever you choose!

Plus, getting the financing you need is easier than you think. You can get on-the-spot WEOKIE financing within minutes at any of our dealer partners.

Receive discounted vehicle pricing and auto loan rates when you purchase through WEOKIE's Car Buying Service powered by TrueCar®.

Offering repossessed and other quality vehicles for sale to the public financed at no higher than 4.99%.

WEOKIE has partnered with Enterprise Car Sales to offer you a seamless purchase experience with financing options to fit your needs.

Purchasing from a dealer?

Designed to provide our members with research tools to help with the selection of your next vehicle, the convenience of credit union financing at the dealership, and unbeatable member service.

With WEOKIE's online car-buying resource center - AutoSMART™, we make finding your next vehicle easy and fast. We have partnered with dealers you know and trust so that we can offer you a vast and diverse inventory to shop your next vehicle. We AutoSMART allows our partner dealers to handle your WEOKIE transaction from start to finish. You can stop in and get preapproved at any of WEOKIE's convenient locations, by applying online, or apply right at any AutoSMART dealership. Just let your salesman know that you will be financing with WEOKIE.

Guaranteed Asset Protection (GAP)

In the event of a total loss of your vehicle, GAP Advantage helps cover the difference between your insurance coverage and the balance remaining on your loan. It also provides credit towards financing a replacement vehicle.

Learn More About Gap

Mechanical Breakdown Insurance (MBI)

MBI ensures that your vehicle is protected and reduces the possibility of paying out-of-pocket costs when your vehicle suffers an unexpected mechanical failure.

Learn More About MBI

Payment Protection

With Payment Protection, your payments will be canceled without penalty, added interest, or being reported as delinquent in the event of disability, involuntary unemployment, a hospital stay, or death.

Learn More About Payment Protection

¹The difference is for member estimated savings since the lowering of NSF fees from $27.50 to $15 in September 2021. ²The total is for the estimated amount saved in the first 12 months of payment for auto and mortgage loans.³The amount paid to members for insurance claims on GAP, MBI & Debt Protection.

Disclosures: Information, rate, terms, and conditions are subject to change without notice and are not guaranteed. Some restrictions may apply. Please contact a WEOKIE rep for more information. All loans are subject to underwriting. Rate and term based on credit score. Current WEOKIE loans are not eligible for refinancing. FEDERALLY INSURED BY NCUA.

*APR = Annual Percentage Rate. Normal lending policies apply. Some restrictions apply. The offer is subject to credit review. Adequate collateral and acceptable term must be provided for all loans. Rates are as low as 3.24% APR for well-qualified buyers for terms up to 72 months. Terms up to 84 months are available at higher rates. Your annual percentage rate is based on your credit history. Not to be combined with any other offers. Up to 130% financing is available based on creditworthiness, model year, and underwriting factors. Proof of income may be required. Membership eligibility is required. Existing WEOKIE loans are not eligible for refinancing. Super-Duty Trucks, Commercial Use Vehicles, Classic Cars, Boats, RVs, and motorcycles are excluded from this offer. Your rates may vary if you are active military. Rate, terms, and conditions are subject to change without notice. Payment Example: A $10,000.00 loan for 48 months financed at 3.24% would amount to a monthly payment of approximately $222.41 each.

** In order to receive the 1% cash back, the loan must be a minimum of $15,000. The maximum cashback per loan is $250. The cashback will only be paid on refinances, loans closed at WEOKIE, and to members who have received a pre-approval letter from WEOKIE prior to closing at the dealership. The offer expires July 31, 2022.

*** If you choose to defer your payment for 60 days, interest will continue to accrue during this time. The offer expires July 31, 2022.

²Certain restrictions apply. APR = Annual Percentage Rate. Normal lending policies apply. Some restrictions apply. The offer is subject to credit review. Adequate collateral and acceptable term must be provided for all loans. Rates are as low as 9.99% APR for terms up to 72 months. . Your annual percentage rate is based on your credit history. Not to be combined with any other offers. Your rates may vary if you are active military. Rate, terms, and conditions are subject to change without notice. Payment Example: A $10,000.00 loan for 48 months financed at 9.99% would amount to a monthly payment of approximately $253.58 each. You must be eligible for membership and approval for a loan to participate. Proof of income is required. To participate in the Smart Path program, you must purchase the vehicle from First Rate Autos. Smart Path participants will be charged a $175 documentation and a $360 GPS device and installation fee. Loan rates and terms are based on your credit score and loan history. Please see a credit union representative for complete details. Cannot be combined with other offers.

A variety of accounts to suit your needs.

CONSUMER

BUSINESS

SAVINGS

RATES

Low Rates. Great Service.

AUTOS

WEOKIE: your one-stop-shop for everything homes!

HOMES

Lending a hand when you need it

CONSUMER LOANS

COMMERCIAL LOANS

LOAN PROTECTION

Easy and convenient banking.

BANKING

BRANCHES

MORE SERVICES

Homes

Help

We are here to help.

ABOUT WEOKIE

COMMUNITY

Low Rate Oklahoma Auto Loans

Your Next Auto Loan is Waiting at WEOKIE

Finance Your Car Loan with us and Get 1% Cash Back!**

Refinance with WEOKIE and SAVE

And as a bonus get 1% CASH BACK and 60 days no payment!

We Are Affordable Auto Loan Experts

WEOKIE can help you get a loan payment that fits both your needs & your budget!

We believe that access to transportation is important, and therefore strive to provide affordable auto loan options for all.

Other Vehicle Loans

Let the fun begin. It just takes a few minutes to apply.

Boat Loans

Motorcycle Loans

Recreational Vehicles

Commercial Use

What’s the WEOKIE difference?

WE'RE HERE TO HELP ITIN HOLDERS

If you have an ITIN rather than a Social Security Number (SSN), we can help you

WEOKIE makes Oklahoma auto loans convenient

Jeffrey & Christian

Bad Credit? No Credit? No Problem

Our Smart Path Loan Program Will Show You The Way To Car Ownership - With a Great Low Rate of 9.99% APR.2

WEOKIE is proud to provide you with convenient car buying services through our trusted partners. It’s WIN-WIN whomever you choose!

Purchasing from a dealer?

Designed to provide our members with research tools to help with the selection of your next vehicle, the convenience of credit union financing at the dealership, and unbeatable member service.

Private Party Sale?

Protect Your Investment And Your Good Name

An excellent rate, term, and payment aren’t the only things you can get with your WEOKIE loan. We also offer great add-on products that help you protect your vehicle, your budget, and your credit.

Guaranteed Asset Protection (GAP)

Mechanical Breakdown Insurance (MBI)

Payment Protection

Browse Our Resources and Services

Auto Rates

LEARN MORE

Sell Your Vehicle

LEARN MORE

First-Time Buyer Program

LEARN MORE

MemberHaven Insurance

LEARN MORE

We Work to Help Our Members Save MILLIONS

Total Amount WEOKIE Members Have Saved Since January 1, 2021

$7,649,797

$0

$0

$0

Auto Loan FAQs

Ready to Start Saving?

Spanish Banking Services

Bad Credit? No Credit?
No Problem

Our Smart Path Loan Program Will Show You The Way To Car Ownership - With a Great Low Rate of 9.99% APR.²