Refi your ride today with rates as low as 0.99%

Routing Number: 282075028

Auto Refinance


At Arkansas Federal, refinancing an auto loan with us couldn't be simpler. We make it easy to refinance your auto from the comfort of your own home.

No obligation! No application fee! With rates this low, what are you waiting for?

Already a member?

Apply Now

Not a member?

Join & Apply Now


With rates as low as 0.99% APR1, you may be able to lower your payments and save 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 0.99%

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.

Already a member?

Apply Now

Not a member?

Join & Apply Now
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. Offer subject to change without notice; credit criteria applies. This offer is only valid for auto loans not currently financed with Arkansas Federal Credit Union. This offer is based upon 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.

2. Interest continues to accrue during the deferred payment and credit score determine rate. First payments may be due up to 90 days from the date of the signed contract.