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Refi Your Ride
as low as
Upon submitting an application, you may qualify for a higher or lower loan amount and/or higher Annual Percentage Rate (APR). As of 04/05/2024, the rate shown is based on a credit score of 740 or higher, loan-to-value equal to or less than 90% and a term of up to 48 months for 5.94% APR for New—2019 vehicle models. The final loan amount and APR will be provided after the loan application is submitted to Arkansas Federal Credit Union’s consumer lending department. For a loan of $20,000.00 for a term of 48 months with a 5.94% APR, the monthly payment would be $469.15. Full coverage insurance with a maximum deductible of $1,000 is required on all Auto loans. Borrower is responsible for adding Arkansas Federal as a lienholder. This offer is only valid for auto loans not currently financed with Arkansas Federal. Offer subject to change without notice. Membership with Arkansas Federal is required for this offer.

We’re Arkansas’ #1 Auto Lender!

Auto Refinance

Do you have your auto loan with someone else? Switch to us and enjoy up to 90 days before your first payment is due.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.

New & Used Auto Loans

Find the best auto loan rates for new and used vehicles today. As the #1 auto lender in Arkansas, we offer various terms to meet your needs and budget.

First-Time Auto Buyer

Our first-time auto buyer loan is designed for those with limited credit who are ready to purchase a vehicle. With competitive rates and manageable terms, it’s a great way to establish credit history. 

Lease Alternative Loans

Get behind the wheel of your dream car today – in an affordable way. Our Lease Alternative Loan offers the benefits of owning plus the affordability of leasing in one flexible alternative.

Boat, Motorcycle & RV Loans

Think beyond your car with a boat, motorcycle or RV loan. We make it easy and can get you the loan you need.

Partner Dealerships

Skip the branch and head straight to one of our Partner Dealers. Along with excellent service, you’ll enjoy on-site Arkansas Federal financing.

View our list of partner dealerships

Auto Buying Center

Looking for a simple way to buy your next vehicle? Now you can search, shop, and finance all from the comfort of your own home.

Visit the online auto buying center

Get Started Now. It's Easy!

We make it easy to get started. Have questions and want to talk? We're here for you.
Call us at 800.456.3000 or visit your local branch.