How to Finance a Car Purchase
Financing a car purchase with an auto loan is an important step. There are a variety of factors that impact financing a car.
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New & Used Auto
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.
%
APR
Competitive rates and convenient terms.
When you finance with the auto-lending experts at Arkansas Federal, you can rest easy knowing you got the best deal all-around with pricing reports, competitive rates, and flexible terms.
New & Used Auto Loan Rates
| Rate | Term | Loan Amount | Approx. Loan Payment |
|---|---|---|---|
| 4.89% APR1 | 48 months | $30,000 | $689 |
| 5.14% APR1 | 60 months | $30,000 | $568 |
| 5.39% APR1 | 72 months | $30,000 | $488 |
| 5.89% APR1 | 84 months | $30,000 | $436 |
Arkansas’ #1 Auto Lender
There’s a reason we’re Arkansas’ #1 Auto Lender. More Arkansans trust Arkansas Federal with their auto loan needs than any other Arkansas-based lender. Experience the difference yourself today!
Features & Benefits
$0 Application Fee
There’s no cost to apply and the application process is easy.
Competitive Rates
We offer excellent rates that beat industry averages.
Up to 100% Financing
Up to 100% financing, including taxes and other applicable fees.
