What APR range does Tinker publish?

Fixed rates range from 5.99% to 16.24% APR, based on credit history and term.

Is there a minimum credit score for the 90-day no payment offer?

The 90-day no payment offer is available to members with credit scores ranging from 660 to 850.

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Best for: Oklahoma members who want a published APR range

Tinker Federal Credit Union

Tinker Federal Credit Union — published 5.99%–16.24% APR range with terms up to 84 months.

Min credit

Not disclosed

APR

5.99%–16.24%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

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"Not disclosed" means Tinker Federal Credit Union does not publish this on their public site. "No restriction" means Tinker Federal Credit Union explicitly states no limit.

Overview

Tinker Federal Credit Union offers auto refinancing for secured loans from other institutions. Its published fixed rates range from 5.99% to 16.24% APR as of October 2026, based on credit history and term. Terms run up to 84 months, excluding antique and classic vehicles.…

What’s great

Published APR range of 5.99%–16.24%
Terms up to 84 months
Optional 90-day payment deferral if you qualify

What to know

Interest accrues during the 90-day deferral
Antique and classic vehicles are excluded
Minimum credit score is not published

Eligibility

Minimum credit score	Not disclosed
APR range	5.99% – 16.24% (Fixed rates range from 5.99% APR to 16.24% APR based on credit history and term.)
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Up to 84 months
States served	Not disclosed
Membership requirement	You can join through eligible employers, schools, city/county employment in Oklahoma, or an immediate family member connection.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Tinker Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Tinker Federal Credit Union before applying.

[1]Refinance Offer — REFI + SAVE Details 2026 — Tinker Federal Credit Union
https://www.tinkerfcu.org/refinance-offer/
Last checked: October 2026
[2]Vehicle Loans — Oklahoma New and Used Rates October 2026 — Tinker Federal Credit Union
https://www.tinkerfcu.org/loans-cards/new-used-vehicle-loans/vehicle-loans/
Last checked: October 2026
[3]Join TFCU — Membership Eligibility Oklahoma — Tinker Federal Credit Union
https://www.tinkerfcu.org/join-tfcu/
Last checked: October 2026