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The fixed rate of 5.85% annual percentage rate (APR) applies to all model vehicles with a 36- month loan term, excluding antique and classic vehicles. Rates range from 5.85% APR to 14.49% APR. The 5.85% APR is available to members with credit scores ranging from 700 to 850. Rate and term are current as of October 1, 2025, and is subject to change and credit approval. To take advantage of this offer, Tinker Federal Credit Union (TFCU) membership is required, which involves opening an initial share (savings) account with a $5 deposit. All rates and terms are declared by the Board of Directors of TFCU and are subject to change at any time. Go to TinkerFCU.org, visit any TFCU branch, or call (405) 732-0324 or 1-800-456-4828 for more details.
If you’re searching for a new or used car, truck, boat, RV or motorcycle, TFCU’s here to help. Complete financing available (including tag, title and tax) on new or used vehicles. Enjoy great rates and an easy online application.
Current new car loan rates for 2026 – 2024
| Term | APR* as low as |
|---|---|
|
Up to 36 Months |
5.85% |
|
37 – 66 Months |
5.99% |
|
67 – 72 Months |
5.99% |
|
73 – 84 Months |
5.99% |
Current used car loan rates for 2023 – 2021
| Term | APR* as low as |
|---|---|
|
Up to 36 Months |
5.85% |
|
37 – 66 Months |
6.24% |
|
67 – 72 Months |
6.49% |
|
73 – 84 Months |
6.49% |
Current late model loan rates for 2020 – 2019
| Term | APR* as low as |
|---|---|
|
Up to 36 Months |
5.85% |
|
37 – 66 Months |
6.49% |
|
67 – 72 Months |
6.99% |
Current late model loan rates for 2018 – 2006**
| Term | APR* as low as |
|---|---|
|
Up to 36 Months |
5.85% |
|
37 – 60 Months |
6.49% |
Rates and terms are subject to change.
Fixed: Rates range between 5.85% APR to 14.49% APR.
*APR: Annual Percentage Rate (APR). Actual APR is determined by borrower’s credit history, year model of vehicle, term requested and/or original amount financed. Interest accrues from the date of loan disbursement.
**Does not apply to antique and classic vehicles.
Terms: Range up to 84 months. (Terms are determined by the year model of the vehicle.)
Payment example 1: New or used vehicle loan of $20,000 for 36 months with no down payment and fixed 5.85% APR will have monthly payments of approximately $607.06 with a total repayment of $21,854.03 ($30.36 payment per $1,000.00).
Payment example 2: New vehicle loan of $25,000 for 84 months with no down payment and fixed 5.99% APR will have monthly payments of approximately $365.09 with a total repayment of $30,666.62 ($14.61 payment per $1,000.00).
Payment example 3: Used vehicle loan of $17,000 for 72 months with no down payment and fixed 14.49% APR will have monthly payments of approximately $354.50 with a total repayment of $25,523.28 ($20.86 payment per $1,000.00).
Certified SmartWay and SmartWay Elite vehicles qualify for a .25% rate reduction on new, used and refinanced loans. Simply find a SmartWay vehicle and let TFCU know that your vehicle qualifies before final signing of your loan.
The fixed rate of 5.85% annual percentage rate (APR) applies to all model vehicles with a 36- month loan term, excluding antique and classic vehicles. Rates range from 5.85% APR to 14.49% APR. The 5.85% APR is available to members with credit scores ranging from 700 to 850. Rate and term are current as of June 1, 2025, and is subject to change and credit approval. To take advantage of this offer, Tinker Federal Credit Union (TFCU) membership is required, which involves opening an initial share (savings) account with a $5 deposit. All rates and terms are declared by the Board of Directors of TFCU and are subject to change at any time. Go to TinkerFCU.org, visit any TFCU branch, or call (405) 732-0324 or 1-800-456-4828 for more details.
TFCU auto loans get you behind the wheel. Whether it is your first car or your dream car, we can help you drive away knowing you got a great rate. Get rates, calculate payments and apply online. Complete financing available (including tag, title, and tax) on new or used vehicles.
