Auto Refi Your Ride
as low as
0.99
%
APR
Upon submitting an application, you may qualify for a higher or lower loan amount and/or higher or lower Annual Percentage Rate (APR). Rate shown based on a credit score of 740 or higher, loan-to-value equal to or less than 70% and a term of 36 months for 0.99% APR for 2022-2019 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. 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.

Plus, no payments for 90 days!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.

Love your ride, but not your payment? At Arkansas Federal, refinancing a car loan with us couldn’t be simpler. We make it easy to find the best auto refinancing from the comfort of your own home. Zero obligation! $0 application fee! With rates this low, what are you waiting for?

Features & Benefits

Illustration of Man Driving Car

Refi Now. Pay Later.

Take a break from payments and get 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.

Illustration of hand signing

$0 Application Fee

There’s no cost to apply and no origination or pre-payment penalty fees.

Illustration of person with piggybank

Lower Your Payments

With rates as low as 0.99% APRUpon submitting an application, you may qualify for a higher or lower loan amount and/or higher or lower Annual Percentage Rate (APR). Rate shown based on a credit score of 740 or higher, loan-to-value equal to or less than 70% and a term of 36 months for 0.99% APR for 2022-2019 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. 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. you could reduce your rate and lower your monthly payments.

Rates & Terms

APR as low as1TermLoan AmountApprox. Monthly Payment
0.99%36 mos.$20,000$564.30
2.04%48 mos.$20,000$434.61
2.29%60 mos.$20,000$353.43

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!

Get started. It's easy!

Apply online in under 20 minutes. There’s no cost to apply and the application process is easy.
Have questions? Call us at 800.456.3000 or visit your local branch.