Complete a Quick Online Form
Submit your contact information and a few details about your vehicle including VIN (to easily provide your vehicle information) and a description of the physical condition of your vehicle.
Repos For Sale
& other available vehicles
x
Use our auto loan calculator to estimate your monthly payments and find the right car for your budget.
Vehicles financed no higher than a 5.99% APR*
Imagine buying a vehicle and actually being pleased with the process. You can at First Rate Autos.
First Rate Autos is owned by Oklahoma City credit unions - INCLUDING WEOKIE, so their approach to car sales is unique. The inventory is a combination of repossessed vehicles and autos acquired from auctions and private owners.
First Rate Autos provides no-haggle, fair pricing. The price is clearly marked on all vehicles. When you buy, you pay the indicated price, plus a $250 documentation fee and nothing more.
WEOKIE provides financing at an interest rate no higher than 5.99% APR* for vehicles purchased from First Rate Autos (with an approved application and credit score above 599). Other affordable rates and terms are available for scores 599 and below.
First Rate Autos
2921 W. Hefner Road, Oklahoma City, OK 73120
405-330-1400
Hours of Operation
M-F: 10:00 am - 6:00 pm
Sat: 10:00 am - 2:00 pm
Sun: Closed
First Rate Autos Will Contact You
They will contact you about your vehicle and set up a quick appointment to inspect your vehicle and discuss a possible deal.
Want to buy a car hassle-free?
Looking to sell your current vehicle?
Connect with First Rate Autos.
When it's time to purchase a new or new-to-you vehicle, WEOKIE is here for you
We will handle your loan quickly and efficiently over the phone, in person, or with our online loan application.
We will finance up to 100% of the purchase price for qualified borrowers, and have terms available for up to 96 months.
Need a new ride, but think you won’t qualify for an auto loan due to challenging credit?
Our Smart Path Loan Program Will Show You The Way To Car Ownership - With a Great Low Rate of 12.99% APR.**
For people with less-than-perfect credit or no credit at all, we have developed our Smart Path Auto Loan Program. It is an awesome solution to make sure you still have access to a reliable car at a reasonable interest rate of 12.99% APR**. Because we believe that you deserve the chance to cruise around in a good car with a realistic payment, regardless of your credit history.
Protect Your Investment And Your Good Name
An excellent rate, term, and payment aren’t the only things you can get with your WEOKIE loan. We also offer great add-on products that help you protect your vehicle, your budget, and your credit.1
Guaranteed Asset Protection (GAP)
In the event of a total loss of your vehicle, Guaranteed Asset Protection (GAP) Advantage helps cover the difference between your insurance coverage and the balance remaining on your loan. It also provides credit towards financing a replacement vehicle. 2
Mechanical Breakdown Insurance (MBI)
MBI ensures that your vehicle is protected and reduces the possibility of paying out-of-pocket costs when your vehicle suffers unexpected mechanical failure.3
Payment Protection
With Payment Protection, your payments will be cancelled without penalty, added interest, or being reported as delinquent in the event of disability, involuntary unemployment, a hospital stay or death.4
As your WEOKIE Loan Professional for more details.
Disclosures: Information, rate, terms, and conditions are subject to change without notice and are not guaranteed. Some restrictions may apply. Please contact a WEOKIE rep for more information. All loans are subject to underwriting. Rate and term based on credit score. FEDERALLY INSURED BY NCUA.
*APR = Annual Percentage Rate. Certain restrictions apply. Rates for credit scores 600 and above are 5.99% and are only available with vehicles purchased from First Rate Autos. Other rates are available for those with credit scores of 599 and below. Adequate collateral and acceptable term must be provided for all loans. Subject to credit review. Rates are based on underwriting criteria and may be higher based on individual underwriting and loan-to-value restrictions. Proof of income may be required. Membership eligibility is required. Not to be combined with any other offers. Your rates may vary if you are active military. Rate, terms, and conditions are subject to change without notice. Payment Example: A $10,000.00 loan for 48 months financed at 5.99% would amount to a monthly payment of approximately $234.80. Please see a credit union representative for complete details or visit https://firstrateautos.com/ for more info.
SmarthPath:
**APR = Annual Percentage Rate. Regular lending policies apply. Some restrictions apply. The offer is subject to credit review. Loan rates and terms are based on your credit score and loan history. Adequate collateral and acceptable term must be provided for all loans. Rates may vary if you are active military. Rate, terms, and conditions are subject to change without notice. Membership eligibility is required. Proof of income is required. To participate in the Smart Path program, you must purchase the vehicle from First Rate Autos. Smart Path participants will be charged a $250 documentation and a $425 GPS device and installation fee. Offer cannot be combined with other offers. Payment Example: A $10,000.00 loan for 48 months financed at 12.99% would amount to a monthly payment of approximately $268.23. Please see a credit union representative for complete details. See https://www.weokie.org/smartpath for more info.
Payment Protection:
1 This page highlights the benefits of WEOKIE’s Protection Plans. Please refer to the service contract for coverages, exclusions, terms and conditions. Individual premiums and savings will vary. If you are purchasing insurance for yourself or as part of a credit union loan, you need to be aware of some important information. Insurance products are not deposits of WEOKIE Federal Credit Union and are not insured by the NCUA. They are not guaranteed by WEOKIE Federal Credit Union and may be subject to risk. See a WEOKIE Representative for more details.
2 Your purchase of Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. GAP insurance is administered by a third-party provider, SWBC. See https://www.weokie.org/gap-and-mbi for more details. Please contact a WEOKIE representative or refer to the policy for a full explanation of terms.
3 Mechanical Breakdown Protection is administered by a third parity provider, Old Republic Insurance Group. The Credit Union does not administer any portion of the warranty plan. Certain eligibility requirements, conditions, and exclusions may apply. See https://www.weokie.org/gap-and-mbi for more details. Please contact a WEOKIE representative or refer to the policy for a full explanation of terms.
4 WEOKIE offers its members Payment Protection insurance through TruStage™. TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Your purchase of MEMBER'S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. See https://www.weokie.org/payment-protection for more details. Please contact a WEOKIE representative or refer to the policy for a full explanation of terms.
