You’re on your own, you’ve got a job, and you need a car loan—without your parents having to co-sign for it.

We get it, and that’s why we created our first-time car-buyer program*. It’s for people who are trying to get a

car of their own, strengthen their credit history, and be treated as a responsible, trustworthy adult.


At Energy One, we want to do more than just give you the loan—we want to be your trusted auto-buying resource.

Our loan officers are here to help you every step of the way: providing vehicle values and/or trade-in values, reviewing

your dealer paperwork prior to closing the loan, and much more.


To learn more and discuss your options, call an Energy One loan representative at 918-699-7100 or 1-800-364-3628.

Or visit our Auto Purchase Resource Center at

*Applicant’s credit report must show fewer than six tradelines (excluding medical), no derogatory credit and no delinquencies over 30 days. All loans are subject to underwriter approval. Applicant must be an employee, family member or contractor of an Energy One Select Employer Group (SEG) and enroll in mobile banking, online banking and auto pay. Auto must not exceed 10 years old and must meet Energy One loan-to-value (LTV) requirements. Proof of full-coverage insurance must be provided. Maximum loan amount is based on income and credit. Other restrictions apply.