Auto Loan Financing
Get great low rates when you finance a new or used vehicle or refinance your existing car loan from another lender. Low rates and up to 60 days no payment!
Get More Mileage out of Your Budget with Our New & Used Auto Loans.
Rates low as 4.99% APR.
Save now and down the road.
With our low rates and excellent service, WEOKIE Federal Credit Union has earned a reputation for offering the lowest rates for car loans in Oklahoma and the surrounding city area.
So whether you're looking for a family size SUV, a hard-working truck, or a sporty convertible - new or used - WEOKIE can help you get behind the wheel. Plus, our flexible terms and affordable rates mean you'll enjoy payments you can live with now and down the road!
Benefits of WEOKIE Auto Loans
We're proud to offer auto loan payments and terms that fit both your needs and your wallet. We often get people behind the wheel of a new vehicle after other lending institutions have turned them down.
Competitive Rates
Rates as low as 4.99 % APR.
Flexible Terms
Choose a term of up to 84 months.
No Payments for 60 Days
Enjoy a payment-free intro period of up to 60 days.
Up to 125% Financing
Apply easily online or at any of our convenient branch locations.
"Tina qualified for our 1/2 off her first auto loan at WEOKIE at a rate of 2.5% and refinanced her auto loan lowering her interest rate from 16.99%. Tina saved over $6,800."
Tina
"I have been banking here for 8 years and I really appreciate WEOKIE helping me get my first auto loan with such a great interest rate."
Tassidae Martinez
"WEOKIE made the loan process painless. We were happy to be approved for a low rate. I'm thankful that we didn't have to mess with trying to get approved at the dealership. To top it off, the rate was much lower!"
Jeffrey & Christian
Let’s get going!
At WEOKIE, we make the application process easy. Plus, we offer benefits that make purchasing and owning your vehicle a lot more rewarding. You’ll enjoy:
- No payments for 60 days.
- Up to 125% financing.
- Free Car-Buying Service
- Payment Protection Option
- Discounted Car Insurance Option
- Guaranteed Asset Protection (GAP) Option
Ready to dive deeper into what WEOKIE offers? Explore more about our valuable products that safeguard your vehicle, your budget, and your credit. And when you're ready to find your dream car, be sure to check out First Rate Autos for a fantastic selection and exceptional service!
WEOKIE is proud to Provide Services through Our Trusted Partner
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WEOKIE provides financing at an interest rate no higher than 4.99% APR for vehicles purchased from First Rate Autos (with approved application and credit score above 599). Other affordable rates and terms are available for scores 599 and below.
Need a new ride, but think you won’t qualify for an auto loan due to challenging credit?
Our Smart Path Loan Program Will Show You The Way To Car Ownership - With a Great Low Rate of 12.99% APR
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. Because we believe that you deserve the chance to cruise around in a good car with a realistic payment, regardless of your credit history.
The Benefits of Smart Path
Pay less in interest every month with a great low rate of 12.99% APR
To put it simply, your vehicle payment will be less compared to financing at a typical Buy Here, Pay Here Lot.
This is your chance to build good credit
Your credit score drives many important decisions in your life. Life is easier with good credit and you'll be on the right track with Smart Path. You will be able to stay on track with monthly payments, building and protecting your credit.
Car Shopping has never been easier
Visit First Rate Autos to find the perfect car for you. First Rate Autos is owned by WEOKIE, so their approach to car sales is unique. The inventory is a mix of repossessed vehicles, mixed with vehicles acquired from auctions and individuals. First Rate Autos provides no-haggle, fair pricing. First Rate Autos is located at 2921 W. Hefner Road.
Sound too good to be true?
Here's how we make it happen...
Some financial institutions manage their risk on loans by charging higher interest rates. WEOKIE? We like to take a simpler route. We manage our risk by adding a GPS unit to your car.
- Stay on track with monthly payments, building and protecting your credit
- The GPS device installed on your vehicle
- If your vehicle is ever stolen, WEOKIE may help locate your vehicle.
Ready to get behind the wheel?
WEOKIE works with members with less-than-perfect credit that are in need of financing, because we know you’re more than a credit score. We understand our members sometimes experience tough times, and we are here to guide you and provide assistance.
Just follow the steps below and WEOKIE will be happy to assist you through the process.
Visit firstrateautos.com or the First Rate Autos location at 2921 W Hefner Rd, Oklahoma City, OK 73120 to find the perfect car for you.
Once you have found a vehicle that meets your needs, First Rate Autos will get WEOKIE the information needed to complete your financing and help to schedule the GPS installation so you can take delivery of your new vehicle.
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Protect Your Investment And Your Good Name.
Protect Your Investment And Your Good Name.
Auto Loans FAQs
Whatever type of vehicle you want, WEOKIE offers flexible financing to purchase or refinance new or used:
- Cars
- Trucks
- Recreational vehicles (RVs)
- All-terrain vehicles (ATVs)
- Motorcycles
- Boats
- Personal watercraft
- Commercial vehicles, trailers, and more.
Yes! 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.
Refinance with WEOKIE and save! Plus, enjoy no payments for your first 60 days.
Refinance with WEOKIE and save! Plus, enjoy no payments for your first 60 days.
Yes, we believe that access to transportation is important, and therefore strive to provide affordable auto loan options for all. We are affordable loan experts and WEOKIE can help you get a loan payment that fits both your needs and your budget! In addition to our standard auto loan financing options, we have developed our Smart Path loan program to help those with less-than-perfect credit or no credit at all. It is an awesome solution to make sure you still have access to a reliable car at a reasonable interest rate of 12.99% APR. In order to qualify, your vehicle must be purchased through First Rate Autos.
- 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.
WEOKIE is a not-for-profit credit union, not a bank. While banks are 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.
You can view our current Auto Loan rates on the Loan Rates page of our website.
You can view our current Auto Loan rates on the Loan Rates page of our website.
Yes, 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.
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.
Yes, we can help you if you have an Individual Tax Identification Number (ITIN) rather than a Social Security Number (SSN). At WEOKIE we are committed to supporting everyone in our community in their financial journey.
Whether you're looking to buy a car, truck, SUV – or even finance a boat or RV – WEOKIE has options for applying with an SSN or 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.
Whether you're looking to buy a car, truck, SUV – or even finance a boat or RV – WEOKIE has options for applying with an SSN or 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.
We know your time is valuable, so we’ve made applying for a WEOKIE auto loan easy and convenient with our online application process. We have 13 locations and you can apply in person at a location, or over the phone by calling us at 405-235-3030 or 1-800-678-5363.
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.
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.
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.
Yes! Whether you already have a specific car in mind or are still searching for the right vehicle for your family, we make it easy for you to shop online with AutoSMART. You can also shop through our dealer partner First Rate Autos.
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 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.
Yes! 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.
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.
Together, WEOKIE and AutoSMART can offer you:
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.
Together, WEOKIE and AutoSMART can offer you:
- Research tools to help with the selection of your next vehicle
- The convenience of credit union financing at the dealership
- Unbeatable member service
Yes, you can apply for an auto loan in the usual way and just let us know you plan to buy from a private party. Apply online or contact WEOKIE’s Call Center at 405-235-3030 or 800-678-LEND to reach us.
Signing documents can be accomplished electronically.
Signing documents can be accomplished electronically.
Liens are released within seven business days. If you need the release sooner or have any questions, please contact us at 405-235-3030 or 1-800-678-5363.
For Oklahoma titles:
If you financed your vehicle with WEOKIE after July 1, 2022, the title and lien will be processed within 7 business days of the loan payoff.
If you financed prior to July 1, 2022, then just the lien will be processed within 7 business days of the payoff.
All other states:
Titles and liens will be processed according to each state’s requirements.
If you financed your vehicle with WEOKIE after July 1, 2022, the title and lien will be processed within 7 business days of the loan payoff.
If you financed prior to July 1, 2022, then just the lien will be processed within 7 business days of the payoff.
All other states:
Titles and liens will be processed according to each state’s requirements.
When you have an auto loan with WEOKIE, it is required that you carry full coverage that includes comprehensive and collision for the value of the loan. If you switch insurance, please remember to send in a new proof of insurance. If insurance lapses, you may be subject to force-placed insurance and any costs associated with it.
WEOKIE offers a full list of properties that we currently own, including foreclosed homes and cars. The majority of repossessed vehicles are sold by First Rate Autos. First Rate Autos offers a no-hassle auto purchasing experience and low financing for all vehicles.
For more information, please visit our Repo Vehicles page.
For more information, please visit our Repo Vehicles page.
When a natural disaster occurs, such as hail, you can count on WEOKIE to help guide you through the process. If you have a WEOKIE Auto Loan and your vehicle has been affected by hail damage, here is what you need to know.
Our Operations Support Team handles all Letters of Guarantees
Email: operationssupport@WEOKIE.org
Fax: 405.603.1081
Text: 405.546.1795 for a secure link to upload documents
Documentation required: LOG Form, Payoff Request, Total Loss Settlement/Vehicle Valuation, Member(s) Written/Signed Authorization to Release Information.
Email: operationssupport@WEOKIE.org
Fax: 405.603.1081
Text: 405.546.1795 for a secure link to upload documents
Documentation required: LOG Form, Payoff Request, Total Loss Settlement/Vehicle Valuation, Member(s) Written/Signed Authorization to Release Information.
Smart Path Auto Loan FAQs
Smart Path participants will be charged a $250 documentation and a $425 GPS device and installation fee. When you consider the typical interest rate of 18% - 28% through the dealership, you are actually saving money. The most you will pay for a Smart Path loan is 12.99%.
Your Smart Path loan will not report differently than any other loan. You will be building credit in a positive way with WEOKIE, which can help with all of your financial needs.
A benefit of the Smart Path program is that you may obtain a better vehicle at a lower interest rate, allowing you to buy more for your money. Furthermore, First Rate Autos vehicles can include optional warranty coverage, helping you avoid any costly repairs after you purchase.
First Rate Autos has a wide selection of vehicles to choose from and vehicles are regularly added to their inventory. You can easily find a vehicle at their location or online at firstrateautos.com.
The device is one of the most user-friendly of its kind on the market today. There is nothing visible inside your vehicle’s cabin. There are no codes to enter. The device allows you to obtain a higher quality vehicle at an attractive interest rate.