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New Auto Loan
Whether you need a loan for a car, motorcycle, boat or other recreational vehicles, we can help you get there — faster!
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Auto Loans Rates
New & Used Auto Loan Rates2
| APR as low as* | Term | Loan Amount | Approx. Loan Pmt. |
|---|---|---|---|
| 2.79% | 48 mos | $20,000 | $441.33 |
| 3.04% | 60 mos | $20,000 | $359.73 |
| 3.54% | 72 mos | $20,000 | $309.17 |
| 4.04% | 84 mos | $25,000 | $342.24 |
Refinance Auto Loan Rates3
| APR as low as* | Term | Loan Amount | Approx. Loan Pmt. |
|---|---|---|---|
| 0.99% | 36 mos | $20,000 | $564.30 |
| 2.04% | 48 mos | $20,000 | $434.61 |
| 2.29% | 60 mos | $20,000 | $353.43 |
Features & Benefits
When you finance with the auto-lending experts at Arkansas Federal, you're working with a professional who wants to help you and your family get the best deal possible.
- Pricing reports for new or used vehicles
- Better rates and repayment plans
- Unbiased tips to make you a better decision maker
We finance new autos up to 84 months at up to 100% financing including taxes and other applicable fees. Arkansas Federal partners with dealers throughout Arkansas to provide you with competitive rates backed by Arkansas Federal’s commitment to service. Stop by your local auto dealer today to learn about finance options for your new vehicle.
Estimate Your Cost
Auto Loan Calculator
The information provided by these calculators is intended for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The precision of these calculations is not guaranteed by this credit union. Use of these calculators does not guarantee an extension of credit.
Disclosures:
Rates and offers current as of August 28, 2020 and are subject to change.
*Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal. Full coverage insurance with a maximum deductible of $1,000 is required on all Auto, Boat, RV, Motorcycle, and ATV loans. Borrower is responsible for adding Arkansas Federal as lienholder.
1. Offer is only valid for auto loans not currently financed with Arkansas Federal. Interest continues to accrue during the deferred payment and credit score determines rate. Note: When applying online, the first page will gather your personal information. On the second page you'll select "Auto Refinance" under the "Loan Type" tab.
2. New/Used Auto Loans: 2.79% APR rate shown based on credit score of 740 or higher, LTV equal to or less than 90, and a term of 48 months for vehicles New-2018 year models. For a loan of $20,000.00 for a term of 48 months with a 2.79% APR (Annual Percentage Rate), the monthly payment would be $441.33. Up to 100% financing is available. New (never been titled) automobile values are based on the MSRP as stated by the NADA unless the MSRP is provided by the dealer. Used (previously titled) automobile values are based on the NADA average retail. Some restrictions apply.
3. Auto Refi: Rate shown based on a credit score of 740 or higher, LTV equal to or less than 70, and a term of 36 months for 0.99% APR for vehicles New-2019 year models. For a loan of $20,000.00 for a term of 36 months with a 0.99% APR (Annual Percentage Rate), the monthly payment would be $564.30. Offer subject to change without notice; credit criteria applies. Offer is only valid for auto loans not currently financed with Arkansas Federal. New (never been titled) automobile values are based on the MSRP as stated by the NADA unless the MSRP is provided by the dealer. Used (previously titled) automobile values are based on the NADA average retail. Some restrictions apply.
4. 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.