If you apply to refinance your auto loan, get approved and meet our standard lending criteria, we’ll beat your
current rate or give you our best rate that you qualify for–whichever is better.*

Plus, you’ll make no payments for 90 days.


Fill out an application with one of our loan officers or online.

Provide proof of a current loan from your bank, credit union or finance company.*

We’ll process your loan request to see how much we can save you.


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

Questions? Call 918-699-7100.


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.


Energy One Federal Credit Union

6100 S. Yale Ave., Ste. 100
Tulsa, OK 74136

Apply Now

*The minimum loan rate Energy One will approve is 3.24% APR. APR is defined as Annual Percentage Rate. Rate subject to credit approval.**Acceptable proof of rate would be original loan documents or a bank statement from your financial institution that lists your auto loan rate. All loans subject to credit approval andstandard Energy One underwriting guidelines. Rates are subject to change, membership and checking eligibility based on standard Energy One eligibility guidelines. Minimum loan amount is $10,000; existing Energy One Federal Credit Union loans are not eligible. Offer expires January 31, 2020, but Energy One reserves the right to end this promotion at any time.