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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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.
Rates & Terms
| Rate | Term | Loan Amount | Approx. Loan Payment |
|---|---|---|---|
| as low as 3.99% APR Auto Refi: Rate effective as of June 1, 2026. Not all will qualify for the lowest rate. Rates range from 3.99% to 18.00% APR with terms up to 100 months. The 3.99% APR rate is only available for terms up to 36 months to those who meet our top credit tier requirements; higher rates apply for longer terms and other credit tiers. Terms of 85 months or longer require a minimum financed amount of $65,000. 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. Depending on the state where the vehicle is purchased, fees may be involved, such as title or registration fees. However, Arkansas Federal does not charge fees for purchasing or refinancing a vehicle. Offer and rate advertised are subject to change without notice. | 36 months | $30,000 | $885 |
| as low as 4.59% APR1 | 48 months | $30,000 | $685 |
| as low as 4.84% APR1 | 60 months | $30,000 | $563 |
| as low as 5.09% APR1 | 72 months | $30,000 | $484 |
| as low as 5.59% APR1 | 84 months | $30,000 | $432 |
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.
