Earn more than a traditional savings account
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 12/09/2022, 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 5.99% APR for New—2018 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 5.99% APR, the monthly payment would be $469.61. 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.
Love your ride, but not your payment? Refinance with us, and you could enjoy up to 90 days of no payments!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. Use the extra cash in your wallet to buy something fun, pay off some bills, or add to your savings – you decide! Not convinced yet? Keep scrolling for more great reasons to refinance today!
Rates & Terms
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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!
Features & Benefits
Refi Now. Pay Later.
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.
$0 Application Fee
There’s no cost to apply and no origination or pre-payment penalty fees.
Lower Your Payments
With our competitive rates and terms, you could lower your monthly payment.