Drive More. Pay Less.
Whether you're buying new, buying used, refinancing an existing loan, or getting pre-approved before you shop, CUOne offers competitive auto financing with flexible terms and local service.
Ready to Apply?
Start your auto loan application online and take the next step toward your next vehicle.
Compare Current Rates
Review current auto loan rates by model year and term before you apply.
Auto Loans
Financing that fits how you shop.
Finance a new or used vehicle, refinance an existing auto loan, or get pre-approved before you ever step onto the lot.
- Competitive rates for new and used vehicles
- Flexible repayment terms based on vehicle and approved loan
- Pre-approval available before you shop
- Refinancing available for qualifying existing auto loans
- Direct financing and participating dealership financing
- Special rate reductions for eligible electric and hybrid vehicles
Rates As Low As 3.24%
APR* on qualifying auto loans.
Current advertised rate for eligible 2023 and newer vehicles.
More Ways to Finance Your Vehicle
Choose the financing path that works best for how you shop.
New or Used
Finance your next new or pre-owned vehicle with competitive rates and flexible terms based on the vehicle and approved loan.
Refinance Your Current Auto Loan
Already financed somewhere else? CUOne can refinance qualifying existing auto loans. Depending on your current loan and approved terms, refinancing may help reduce your rate, monthly payment, or overall borrowing cost.
Get Pre-approved Before You Shop
A pre-approval can help you understand your financing options and establish a comfortable price range before visiting the dealership, giving you more confidence when it is time to shop.
Finance Through the Dealership
CUOne works with participating dealerships, allowing eligible members to complete their financing without visiting a branch. Ask the dealership to submit your financing request to Credit Union One for approval.
Vehicle Protection
Protect Your Vehicle and Your Budget
Your vehicle is a major purchase. Optional protection products available through CUOne can help reduce the financial impact of a total loss, theft, deductible expense, or unexpected mechanical breakdown.
GAP Advantage + ADR
Protection if the unexpected happens.
If your vehicle is totaled or stolen, your insurance settlement may be less than what you still owe. GAP can waive all or a portion of the eligible remaining deficiency, subject to program terms, limitations, and exclusions.
- May waive all or part of the eligible deficiency between the insurance settlement and remaining loan balance
- Includes up to a $1,000 replacement vehicle credit when the replacement is financed with CUOne
- May cover up to $1,000 of the insurance deductible when an eligible GAP deficiency remains
- Includes Auto Deductible Reimbursement of up to $500 per covered loss, with unlimited covered losses per year on eligible vehicles
GAP is a voluntary, non-insurance product.
Vehicle Service Contract
Protection from costly repairs.
Mechanical and electrical repairs can be expensive, even on newer vehicles. A Vehicle Service Contract can help reduce unexpected out-of-pocket expenses when a covered mechanical or electrical breakdown occurs.
- Available for eligible new and pre-owned vehicles
- Helps reduce qualifying mechanical and electrical repair expenses
- Multiple coverage options are available to fit different vehicles and needs
- Offered through Old Republic Insured Automotive Services
Coverage, exclusions, limitations, eligibility, and contract terms vary by selected Vehicle Service Contract.
Electric & Hybrid Vehicles
Extra savings for eligible EV and hybrid purchases.
Eligible direct auto loans for electric and hybrid vehicles may qualify for an additional APR reduction.
Electric Vehicle
0.50%
APR reduction on eligible direct EV financing.
Hybrid Vehicle
0.25%
APR reduction on eligible direct hybrid financing.
Why Finance With CUOne?
- Competitive auto loan rates
- Flexible repayment terms
- Pre-approval before you shop
- Local service from your credit union
Ready for Your Next Vehicle?
Apply online or review our current auto loan rates to get started.
*APR = Annual Percentage Rate. Rates as low as 3.24% APR are currently available on qualifying 2023 and newer vehicles for eligible terms. Actual APR, term, loan amount, and payment will vary based on creditworthiness, vehicle model year, loan amount, and other underwriting criteria. Rates are subject to change without notice.
Electric vehicle and hybrid vehicle APR reductions apply only to eligible direct auto loans and are subject to program requirements. Additional discounts may be available for qualifying borrowers. The lowest available rate is subject to CUOne lending guidelines and applicable rate-floor requirements.
Guaranteed Asset Protection and Vehicle Service Contracts are optional products and are not required to obtain credit. GAP is a voluntary, non-insurance product and is subject to applicable limitations, exclusions, maximum loan-to-value requirements, and other program terms. Auto Deductible Reimbursement applies to eligible vehicles owned and insured by the primary borrower and/or co-borrower and is subject to program terms. Vehicle Service Contract coverage is subject to the terms, conditions, limitations, and exclusions of the applicable contract.
All loans are subject to credit approval. Membership with Credit Union One of Oklahoma is required. See the current Loan Rates page and applicable loan and protection-product disclosures for complete terms and conditions.