First-time auto buyer loan
Get pre-approved and shop for a car, truck or motorcycle loan with confidence.
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Get pre-approved and shop for a car, truck or motorcycle loan with confidence.
For those members who have never purchased a vehicle or motorcycle, TFCU offers the First-Time Buyer Auto/Motorcycle Loan. This is a way for members with little or no credit history to get in the driver’s seat while building their credit.
For active-duty military members, the product features a discounted fixed rate of 6.00%. Lower rates are available, based upon the individual’s credit score.
To find out more about the First-Time Buyer Auto/Motorcycle Loan, visit a TFCU branch near you or call us at (405) 732-0324 or 1-800-456-4828.
The fixed rate of 5.49% annual percentage rate (APR) applies to all model vehicles with up to 84-month loan term, excluding antique and classic vehicles. Rates range from 5.49% APR to 16.24% APR. The 5.49% APR is available to members with credit scores ranging from 740 and above. Rate and term are current as of June 1, 2026, 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.
Rates and terms are subject to change.
Fixed: Rates range between 5.49% APR to 16.24% 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 60 months with no down payment and fixed 5.49% APR will have monthly payments of approximately $381.93 with a total repayment of $22,915.41 ($19.10 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 16.24% APR will have monthly payments of approximately $371.00 with a total repayment of $26,710.95 ($21.83 payment per $1,000.00).
