Rates as low as 3.99% APR 1
Oklahoma Auto Loan Financing
Finance a new or used vehicle or refinance your current auto loan. Low rates, flexible terms, and the option to defer your first payment up to 60 days. 1
Low Auto Loan Rates for New & Used
Rates as low as 3.99% APR
With competitive rates and flexible terms, WEOKIE helps Oklahoma drivers finance new or used vehicles with payments that fit their budget.
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!
Why Choose WEOKIE for Your Auto Loan
WEOKIE offers competitive auto loan rates, flexible terms, and finance options designed to fit your budget.
Competitive Rates
Rates as low as 3.99 % APR.
Flexible Terms
Flexible terms 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, applying for an auto loan is simple. Plus, you'll enjoy benefits like:
- No payments for 60 days.
- Up to 125% financing.
- Free Car-Buying Service
- Payment Protection Available
- Discounted Car Insurance
- Guaranteed Asset Protection (GAP)
Learn more about products that help protect your vehicle, your budget, and your credit.
WEOKIE is Proud to Provide Services Through Our Trusted Partner
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Shop First Rate Autos
3.99% APR Maximum Interest Rate
With approved credit for scores of 600 and above, for terms up to 72 months.
Shop quality repos and other vehicles with straightforward financing and no-haggle pricing—all through WEOKIE-owned First Rate Autos.
Why members choose First Rate Autos
- WEOKIE-owned dealership focused on member value
- Financing available directly through WEOKIE
- No-haggle pricing—the price you see is the price you pay
- Only one $250 documentation fee
- Inventory includes repos, auction vehicles and vehicles acquired from local sellers
- A smarter alternative to buy-here-pay-here dealerships
- Alternative financing options available for credit scores below 600
Auto Loan Options for Challenged Credit
WEOKIE's Smart Path Loan Program helps members work toward vehicle ownership with rates starting at 12.99% APR.
- Build or rebuild credit through consistent monthly payments
- Access reliable vehicles through First Rate Autos
- A structured path towards traditional auto financing
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.
How to get started
Visit First Rate Autos online or at their Oklahoma City location to find a vehicle that fits your needs and budget.
Once you've chosen a vehicle, First Rate Autos will work with WEOKIE to finalize your financing and help prepare your vehicle for delivery.
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. Unlike banks, which are owned by shareholders, WEOKIE returns earnings to our members through lower fees and more competitive interest rates. View our current rates.
Yes. As a WEOKIE member, you are a part-owner of the credit union. We look beyond your credit score, considering the full picture when reviewing your application. You also gain access to competitive loan rates, exclusive discounts, and financial education resources.
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 12 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.