As you know, Energy One already offers great auto loan rates. For a limited time, Energy One members can get up to 2.99% APR* on new and used cars, trucks and refinances.

Call 918-699-7100 or 1-800-364-3628 or contact us for more details about this promotion or if you have any questions regarding the loan process.

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 .

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Car Buying Resources

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

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 cast. GAP bridges the difference between your insurance settlement and the payoff amount of your auto loan up to 100% loan to value.

MBP (Mechanical Breakdown Coverage) – 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 upload it HERE or 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.

*Advertised 2.99% APR is promotion’s lowest rate offered for a 36-month term (3.49% before discount). Includes 0.25% discount for an active checking account, recurring direct deposit of $250 or more and auto pay for the auto loan. Promotional rate also includes a 0.25% discount for GAP (Guaranteed Asset Protection) or MBP (Mechanical Breakdown Protection). APR cannot be discounted below 2.99%. Both GAP and MBP must be purchased through Energy One and remain on the loan for a minimum of 12 months. Protection plans purchased through an auto dealership will not qualify. If loan collateral doesn’t qualify for a GAP or MBP through Energy One’s standard provider, the member will not be eligible for that discount. To receive the rate discounts, GAP and MBP must be purchased at the loan booking date. All loans subject to credit approval. Rate determined by loan term and credit score. Rates are subject to change and Energy One reserves the right to rescind this promotion at any time. Membership and checking eligibility based on standard Energy One eligibility guidelines. Minimum loan amount of $10,000; existing Energy One Federal Credit Union loans are not eligible.