Storm Shelter Financing Options in Oklahoma
Affordable, Flexible, and Fast - Financing Built for Oklahoma Families
At OKC Shelters, we know that installing a storm shelter is one of the most important investments you can make for your family's safety. That's why we partner with trusted local lenders - including Focus Federal Credit Union, Tinker Federal Credit Union with its dedicated Storm Shelter Loan program, True Sky Federal Credit Union, and Oklahoma Central Credit Union through their convenient OCCU Credit Application - to offer flexible financing options designed just for Oklahomans.
Our Simple Installation Process
Clear Steps, No Surprises
Installing a storm shelter doesn't have to be complicated. Our process is simple, transparent, and designed to give you confidence from the first call to the final bolt.
Affordable Payment Plans
Spread the cost of your storm shelter over manageable monthly payments that fit your budget and timeline.
Flexible Terms
Our financing process is simple. Apply online through our partners and get approved quickly.
Fast, Hassle-Free Approval
Choose from both short or long-term financing options that match your financial goals.
Competitive Rates
We work with reputable lenders to offer fair, affordable rates, helping you save while securing your family's safety.
Why Choose Financing with OKC Shelters?
At OKC Shelters, we make it easy for Oklahoma homeowners to protect their families with affordable, flexible financing options. We know installing a storm shelter is a major investment, but it doesn’t have to strain your budget.
Affordable
Payment Plans
Spread the cost over time with monthly payments designed to fit your budget. Get the protection your family needs without paying everything up front.
Fast and Easy Approval
We partner with trusted local lenders who understand Oklahoma homeowners. Our simple process helps you get approved quickly so your storm shelter project can begin sooner.
Flexible
Terms
Choose from short-term or long-term financing options based on your financial goals. We’ll help you find a plan that works best for you.
Use Rebates
for Maximum Savings
Did you know you can use available rebate programs to reduce the cost of your shelter? Many Oklahoma homeowners use available rebates to lower shelter out of pocket costs and make storm safety even more affordable.
How It Works
Make a down payment
Pay a $100 deposit to schedule your install date
Finance the rest
Typical loan terms range from 48 to 120 months with competitive rates, often starting near 3.99% APR.
Start when ready
Payments usually begin about 30 days after loan closing, giving you time to plan.
Apply
easily
Complete your application online or by phone. It only takes a few minutes and requires basic personal and financial information.
Oklahoma's Storm Shelter Rebate Programs
Storm shelter rebates and grants help make life-saving protection possible for more Oklahoma families. Several programs are available through state and tribal organizations to help reduce out-of-pocket installation costs.
SoonerSafe | Safe Room Rebate Program
The SoonerSafe program provides rebates to Oklahoma homeowners for residential safe rooms.
Key Details:
- Maximum rebate: $3,000 per home (up to 75% of total cost)
- Registration opens: January 15 each year
- Eligibility: One registration per physical home address. (Registration does not guarantee a rebate. Selected applicants will be notified by email or phone.)
Visit the SoonerSafe website or email soonersafe@oem.ok.gov
Native American Storm Shelter Programs
Multiple tribes provide financial assistance to their members for storm shelter installation.
The Chickasaw Nation
Provides storm shelters for privately owned primary residences of Chickasaw citizens (one-time award per household).
Eligibility: Must be a Chickasaw citizen with no outstanding debt to the housing division or Chickasaw Nation.
Learn more about the Chickasaw Nation Program
The Muscogee Nation
Provides limited funding for above-ground storm shelters using a point-preference selection system.
What’s Covered: The Muscogee Nation pays contractors directly. One-time award per primary residence.
Key Requirements: Must be a citizen living within jurisdictional boundaries with no outstanding debts to MCN Housing or mortgage lenders.
Learn more about the Muscogee Nation Program
The Choctaw Nation
Provides storm shelter grants to eligible Choctaw tribal members living in Oklahoma.
Grant Amounts:
- $5,000 for applicants with documented ambulatory disability
- $3,500 for applicants 45 years or older
- $1,750 for applicants aged 18-44
Eligibility: One-time award for primary residence owned by applicant.
Lean more about the Choctaw Nation Program
Tribal Storm Shelter Rebates
Supporting Tribal Communities Across Oklahoma
Many Oklahoma tribal nations offer storm shelter assistance programs for eligible members. These programs help families install shelters that meet safety standards while reducing out-of-pocket costs. If you are a tribal member, our team can help you determine eligibility, gather required specifications, and ensure your shelter meets program guidelines.
Storm Shelter Rebate and Financing FAQs
Financing Options and Program Rules Explained
Rebate programs and financing options come with fine print, and it is smart to understand them up front. Below are the most common questions homeowners ask about eligibility, application timelines, and how financing works alongside rebate programs.
Can I combine a rebate with financing?
Yes. If your rebate doesn’t cover the full cost, you can finance the remaining balance. This lowers your upfront cost and monthly payments.What types of properties are eligible for rebate programs?
Most programs cover single-family, owner-occupied homes. Rental properties, apartments, duplexes, and multi-family residences are typically not eligible.Can I get a rebate if I own a mobile home?
Yes, as long as you own both the mobile home and the land it sits on.Can I apply for multiple rebate programs?
You can register for multiple programs, but each award is limited to one shelter per household. Review each program’s eligibility before applying.What if I already installed a storm shelter?
Previously installed shelters are not eligible for retroactive rebates.Do I need to be debt-free to qualify?
Most tribal programs require no outstanding debts with their housing departments or mortgage lenders. A statement from your lender showing good standing may be required.How long does the application process take?
Timelines vary. SoonerSafe uses random selection year-round, while tribal programs may use point-based systems. Once selected, you typically have 15–30 days to confirm participation.Who installs the shelter if I’m approved?
You’ll work with approved contractors. Many programs pay contractors directly, so you won’t need to handle the funds yourself.
OKC Storm Shelters
Making Storm Protection Accessible to All Oklahoma Families
Financing terms and rebate eligibility are subject to change. Contact OKC Shelters for the most current information.