Refi Your Ride
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.
Want to lower your monthly payments? Refinance with Arkansas Federal, and you could enjoy a rate 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. or extend your loan term for more manageable payments. Use the extra cash to buy something fun, pay off some bills, or add to your savings—you decide! Plus, you could enjoy up to 90 days of no payments.Interest will continue to accrue during the deferred payment period. First payments may be due up to 90 days of the signed contract, depending on the specific loan terms. To confirm the deferment details and eligibility, please speak with your loan officer. Keep scrolling for more great reasons to refinance today!
Rates & Terms
| Rate | Term | Loan Amount | Approx. Loan Payment |
|---|---|---|---|
| as low as 3.99% APR1 | 36 months | $30,000 | $885 |
| as low as 4.44% APR1 | 48 months | $30,000 | $683 |
| as low as 4.69% APR1 | 60 months | $30,000 | $561 |
| as low as 4.94% APR1 | 72 months | $30,000 | $482 |
| as low as 5.44% APR1 | 84 months | $30,000 | $430 |
Arkansas’ #1 Auto Lender
There’s a reason we’re Arkansas’ #1 Auto Lender. More Arkansans trust Arkansas Federal with their auto loan needs than any other Arkansas-based lender. Experience the difference yourself today!
Why Refinance?
Lower Payments
Get a lower rate or extend your term to lower your payments.
Refi Now, Pay Later
Refinance now, and your first payment could be delayed for up to 90 days.Interest will continue to accrue during the deferred payment period. First payments may be due up to 90 days of the signed contract, depending on the specific loan terms. To confirm the deferment details and eligibility, please speak with your loan officer.
$0 Application Fee
There’s no cost to apply and no origination fees.
Frequently Asked Questions
What is auto refinancing?
Auto refinancing is like hitting the reset button on your car loan. It means swapping out your current loan for a new one that offers better terms, like a lower interest rate or a longer repayment period, which can lower your monthly payments. Basically, the new loan pays off your old loan, and then you just start making payments on the new one.
How do I qualify for an auto refi loan?
Qualification for an auto refi loan is based on factors like your current loan term, credit score and history, payment history, and the value of your car.
How does extending my auto loan term affect my monthly payments?
Extending your loan term spreads your payments out over a longer period of time. This means that your monthly payments can be lower, but it may result in paying more interest over the life of the loan.
When should I consider refinancing my auto loan?
You might want to think about refinancing your auto loan if your credit score has gone up and you’re aiming for a better interest rate or loan term, which could mean lower monthly payments. It’s also a good option if you need more time to pay off the loan or if you’re interested in a payment break of up to 90 days.Interest will continue to accrue during the deferred payment period. First payments may be due up to 90 days of the signed contract, depending on the specific loan terms. To confirm the deferment details and eligibility, please speak with your loan officer.
How will refinancing affect my credit score?
Applying for an auto refi loan can cause a temporary small dip in your credit score due to the hard credit inquiry, but making consistent on-time payments can help bring it back up.
Are there any fees associated with auto refinancing?
There’s no application fee and no origination or pre-payment penalty fees, though you may be charged a late fee if payments aren’t made on time.
How do I apply?
You can apply in just a few minutes online, or by visiting your nearest branch.