Refi Your Ride
as low as
3.99
%
APR
The APR (Annual Percentage Rate) is effective as of 11/1/2024. Rates range from 3.99% to 18.00% APR with terms up to 100 months. Upon submitting an application, you may qualify for a higher loan amount and/or higher APR. The APR is determined by various factors within Arkansas Federal’s custom scoring model, including, but not limited to, credit score, credit history, income, and debt-to-income. You must have a minimum household annual income of $25,000, be over 18 years of age, and have a valid U.S. Social Security Number to be considered for an Arkansas Federal auto loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history, and application information meet all requirements. Even with a lower interest rate or monthly payment, paying debt over a longer period of time may result in paying more interest. Full coverage insurance with a maximum deductible of $1,000 is required on all auto loans, including refinances. The borrower is responsible for adding Arkansas Federal as a lienholder. Offer and rate advertised are subject to change without notice. Membership with Arkansas Federal is required.
Auto Refinance
Do you have your auto loan with someone else? Switch to us and enjoy up to 90 days before your first payment is due.Interest continues to accrue during the deferred payment and credit score determines rate. First payments may be due up to 90 days from the date of the signed contract.
New & Used Auto Loans
Find the best auto loan rates for new and used vehicles today. As the #1 auto lender in Arkansas, we offer various terms to meet your needs and budget.
First-Time Auto Buyer
Our first-time auto buyer loan is designed for those with limited credit who are ready to purchase a vehicle. With competitive rates and manageable terms, it’s a great way to establish credit history.
Lease Alternative Loans
Get behind the wheel of your dream car today – in an affordable way. Our Lease Alternative Loan offers the benefits of owning plus the affordability of leasing in one flexible alternative.
Boat, Motorcycle & RV Loans
Think beyond your car with a boat, motorcycle or RV loan. We make it easy and can get you the loan you need.
Partner Dealerships
Skip the branch and head straight to one of our Partner Dealers. Along with excellent service, you’ll enjoy on-site Arkansas Federal financing.
Auto Buying Center
Looking for a simple way to buy your next vehicle? Now you can search, shop, and finance all from the comfort of your own home.