Energy One wants to be your first and best choice for auto loans. Whether you’re buying from a dealer, 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

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

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.

*$100 promo is for new loans to Energy One and requires a $5,000 minimum loan value. Existing loans with Energy One are not eligible. Valid loan types for this promo are new and used auto, motorcycle, RV and boat. Real estate, indirect loans through CUDL and commercial loans do not qualify for this promo. All loans are subject to Energy One lending guidelines. Energy One reserves the right to end this promo at any time. This promotion runs from May 1 to July 31, 2018.