New & Used Auto

as low as

3.⁹⁹

%

APR

Rate effective as of 11/07/2025. 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.