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
  • Autopay option available
  • GAP Insurance available
  • Warranty and mechanical breakdown are coverage available
  • Loan Payment Coupons 

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

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Autosmart Car Buying Tool

Energy One has 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 vehicle you’re looking for, and factor that cost into your monthly budget.
  • You can also find 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, make a list and follow it. This keeps you from being rushed, allowing you to control the purchase.
  • Visit Consumer Reports for even more excellent 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 usually 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) up to 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 purchase 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 it 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 to get 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.