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    Apply for an Auto Loan without ever stepping foot in a branch.

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

      From finding the home of your dreams to financing it, closing the loan, and even insuring it... we want to make every step in your home-buying experience as easy and as affordable as possible.

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        Lending a hand when you need it

        From auto loans to refinancing a mortgage, WEOKIE has the resources and tools to create a lending program tailored to your needs. 

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            WEOKIE's e-Statements, Bill Pay, and Online and Mobile Banking are services aimed to make your life a little easier.

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              We are here to help.

              At WEOKIE, our purpose is to build strong communities by supporting financial growth and well-being, one person at a time.

                Smart Path Auto Loans


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                Hit the Road With a Great Low Rate of 10.99% APR*

                If you have blemished credit history or are looking to build your credit, the Smart Path auto loan program may be for you.

                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 10.99% 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.

                Woman on a road trip driving a convertible car-1

                Use our auto loan calculator to estimate your monthly payments and find the right car for your budget.

                Auto Loan Calculator

                The Benefits of Smart Path

                Pay Less
                You'll pay quite a bit less in interest every month with a great low rate of 10.99% 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. WEOKIE's GPS device installed on your vehicle reminds you if you’re late on a payment.

                Car Shopping has never been easier

                Visit First Rate Autos to find the perfect car for you. First Rate Autos is owned by Oklahoma City credit unions - INCLUDING 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. An added cool benefit to having this device on your car is that it could lower your insurance premiums and reminds you if you are late on a payment.

                • Stay on track with monthly payments, building and protecting your credit

                • Smart Path could lower your insurance premiums

                • The GPS device installed on your vehicle reminds you if you’re late on a payment

                • If your vehicle is ever stolen, WEOKIE may help locate your vehicle.

                The GPS device will disable your ignition if you stop making payments. Your vehicle will never be disabled while in motion.



                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.

                1. Meet with your WEOKIE Loan Counselor or begin your loan application online. Together, we will review your financial picture, determine how much you can afford, and explain the terms you can expect up front. No surprises.

                2. 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.

                3. 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.

                Apply for a Smart Path Loan

                * APR = Annual Percentage Rate. Regular lending policies apply. Some restrictions apply. The offer is subject to credit review. Loan rates and terms are based on your credit score and loan history. Adequate collateral and acceptable term must be provided for all loans. Rates may vary if you are active military. Rate, terms, and conditions are subject to change without notice. Membership eligibility is required. 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 $250 documentation and a $425 GPS device and installation fee. offer cannot be combined with other offers. Payment Example: A $10,000.00 loan for 48 months financed at 10.99% would amount to a monthly payment of approximately $257.97. Please see a credit union representative for complete details