Roll into Summer with Auto Loan Rates As Cool As You. Auto Loan Rates as low as 6.79%
Advertised rates quoted with a 0.25% promotional rate discount for automatic payment through a checking account. If no automatic payment is arranged and/or completed, a 0.25% increase in the rate must be made. All Energy One lending guidelines must be met and all loans subject to credit approval. Rate and term determined by the credit score. Rate, term, and conditions are subject to change, and Energy One reserves the right to rescind this promotion at any time.

Energy One’s Auto Purchase Resource Center

Energy One wants to be your first and best choice for auto loans. Whether you’re buying from a dealer or an individual, or even if you’re already financed at another lender, let us see if we can save you money. Apply now and get pre-qualified today!

  • Great rates
  • New and used financing available
  • Terms from 36 to 84 months
  • Auto pay option available
  • GAP Insurance available
  • Warranty and mechanical breakdown coverage available
  • Loan Payment Coupons 

To help you through this process, please use our auto calculator and the links provided on this page for Car Fax, NADA, and Kelly Blue Book. If you have any questions about our loans or would like additional information, please call a loan representative at 918-699-7100 or 1-800-364-3628

Apply Now

Autosmart Car Buying Tool

Energy One has also partnered with CUDirect to offer our AutoSMART car-buying tool. You can search by dealer, zip code, distance to your home, and vehicle type. Streamline finding and financing a car with AutoSMART! Explore AutoSMART to find your next car or truck today.

Shop AutoSMART

Car Buying Tips & Resources

  • Know the value of your trade-in before you visit the dealership (links to NADA and KBB below).
  • Look up the market value of GAP insurance and warranties for the model you’re considering.
  • On used autos, check the vehicle history with CARFAX (link below) The dealership can also provide you with a CARFAX.
  • Get a quote from your insurance company on the specific vehicle you’re looking for, and factor that cost into your monthly budget.
  • You also have the option of finding out how much your tag and tax charge will be for budgeting purposes. View more information here.
  • Obtain a preapproval application from Energy One before shopping for a vehicle. This action will allow you to see what you can work into your monthly budget.
  • If you have questions you need answered, make a list and follow it. This keeps you from being rushed which will allow you to control the purchase.
  • Visit Consumer Reports for even more great car-buying tips.

Additional Loan Services

GAP Insurance – Energy One also offers GAP (Guaranteed Asset Protection) for our auto loans. For a one time fee, you can protect your vehicle from the depreciation that normally occurs in the early life of your auto loan at a low cost. GAP covers the difference between the borrower’s outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum 150% LTV.

MBP (Mechanical Breakdown Protection) – Energy One offers several vehicle warranty packages that cover mechanical breakdown and repair for new and used autos. Extended warranties may be included when you finance your vehicle with Energy One or purchased for an eligible existing vehicle.

Payment deferral – For more information, please contact us at 1-800-364-3628 to see if you qualify.

Automatic payments – To set up automatic payments from another financial institution to your Energy One loan, download this form and fax to (918) 699-7122.

Online payments – Make a one-time payment from any account, debit card or Mastercard® credit card, even from other financial institutions. Click here to get started.

Insurance – Energy One has teamed up with MemberCONNECT and TruStage. This partnership allows members access to discounts with Liberty Mutual for auto and home. In addition, you are now eligible for a free $1,000 in accidental death benefits. Click here for more information.