Imagine buying a vehicle and actually being pleased with the process. You can at First Rate Autos.
First Rate Autos is owned by group of credit unions, so their approach to car sales is unique. Their inventory includes 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.
Rock Island Credit Union provides financing at an interest rate no higher than 3.99% APR* for vehicles purchased from First Rate Autos (with an approved application and credit score of 600 and above). Alternative rates and terms are available for credit scores below 600.
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
The Best (and Easiest) Way to Sell Your Car!
Save Time & Hassle By Selling Your Vehicle to First Rate Autos!
They are always on the lookout for vehicles to add to their inventory.
How It Works
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.
*APR = Annual Percentage Rate. Certain restrictions apply. Effective April 17, 2026, rates for qualified buyers with credit scores of 600 and above are as low as 3.99% APR. Applicants with credit scores of 500–599 may still qualify for financing at alternative rates, and special financing programs are available for those who do not meet standard lending criteria. Rates apply only to vehicles purchased through First Rate Autos. Adequate collateral and acceptable terms are required. All loans are subject to credit review and underwriting approval. Rates may be higher based on credit, loan-to-value, and program terms. Proof of income may be required. Membership eligibility is required. Offers may not be combined. Active military may qualify for different rates. Information, rates, terms, and conditions are not guaranteed and may change without notice. Example monthly payments: A $10,000 loan for 72 months would result in payments of approximately $156.41 at 3.99% APR. If you choose to defer your payment for 60 days, interest will continue to accrue during this time. For complete details, please contact a Rock Island Credit Union representative or visit https://firstrateautos.com. Federally insured by NCUA.