Auto refi rates worth drooling over. Plus, 90 days no payments.2

Routing Number: 282075028

Auto Refinance


Don’t get taken for a ride. Give yourself some tail-wagging savings with an Auto Refinance loan from Arkansas Federal Credit Union. With drool worthy rates as low as 1.99% APR1, which may lower your payments and save you money.

Now is a great time to refinance and start driving down the road to financial happiness. You can also take advantage of 90 days no payments.2 Plus, there is no application fee.

Why Refinance Your Ride?

90 Days No Payments2

Save money for the things you love!

Rates as low as 1.99%

Pay less interest during the term of your loan.

No Application Fee

We don't charge you an application fees to refi your ride with us.


Apply online in under 20 minutes. There’s no cost to apply. Have questions?
Call us at (800) 456-3000 or visit your local branch.

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Photo of Chole Cox

I enjoy being a member of Arkansas Federal because they are always helpful when I need something. I have had a positive experience working with Arkansas Federal because their customer service is spectacular.

— Chloe Cox


1. Upon submitting an application, you may qualify for a higher or lower loan amount and/or a higher or lower Annual Percentage Rate (APR). The final loan amount and APR will be provided after the loan application is submitted to Arkansas Federal Credit Union’s consumer lending department. Full coverage insurance with a maximum deductible of $1,000 is required on all Auto loans. Borrower is responsible for adding Arkansas Federal Credit Union as a lien holder.

2. 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.

3. Investments/Insurance/Warranties: Not NCUA Insured • Not Credit Union Issued, Guaranteed or Underwritten • May Lose Value

4. All loans except credit builder and HELOCs are eligible for Debt Protection. Certain qualifications and restrictions by loan type and benefit apply. Debt Protection offered through CUNA Mutual Group.

5. Offer subject to change without notice; credit criteria applies. This offer is only valid for auto loans not currently finances with Arkansas Federal Credit Union. This offer is based upon an initial assessment that you met Arkansas Federal Credit Union credit standards. Loans are underwritten and offered through Arkansas Federal Credit Union. All loans are conditioned upon confirmation that you continue to meet these credit standards, as well as final credit and income verification and collateral review. Membership with Arkansas Federal Credit Union is required for this offer.

6. Sorry, dog not included with completion of loan.