Arkansas Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Arkansas include United Federal Credit UnionUnited Federal Credit Union8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628A+5.0 ★Texas Ratio: 3.23% offering Auto Loan at 2.99%, Riverland Federal Credit UnionRiverland Federal Credit Union1448 AR 333, Russellville, AR, 72802A+5.0 ★Texas Ratio: 3.66% offering Auto Loans - Cars, Trucks, & SUVs at 3.50%, Baxter Credit UnionBaxter Credit Union1900 Highway 201 N, Mountain Home, AR, 72653A5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.64%, Mercy Credit UnionMercy Credit Union7301 Rogers Ave, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 0.60% offering 2025-2026 New Vehicle Loan at 3.74%, Telcoe Federal Credit UnionTelcoe Federal Credit Union820 Louisiana St, Little Rock, AR, 72201 4692A+5.0 ★Texas Ratio: 0.13% offering New Auto at 3.74%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Arkansas side-by-side. Arkansas auto loan rates currently start as low as 2.99% APR from United Federal Credit Union at 8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Arkansas. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Arkansas
Arkansas Auto Loan Rates
with autopay from a United checking account.
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as low as; Loan Term
As Low As; *APR is the Annual Percentage Rate.
As Low As; Rates based on term selected. Collateral: 2025 or newer; Mileage: 10,000 or less
As low as; Limited time offer.
As Low As; Starting at 3.95%
As low as; Limited time offer.
Published APR range: 3.99 - 18.00%.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
as low as; Loan Term
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As Low As; Rates based on term selected. Collateral: 2019 or newer; Mileage: 100,000 or less
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As Low As; With approved Credit. Rate and terms are based on the vehicle year model, amount financed, and credit score. Rates and terms subject to change.
As Low As; **APR is the Annual Percentage Rate.
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Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
as low as; Loan Term
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Rates as low as
As Low As; Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. Rates Current as of April 1, 2026. Rates subject to change with out notice. Please check with our Loan Department for current information. For vehicles 7 years and older, we lend based on wholesale values.
New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski; Rates Change Often, Contact us for current rate
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Rate is APR. *
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As Low As; Model Year: 2025-2027
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As
New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski; Rates Change Often, Contact us for current rate
as low as; Loan Term
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
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As low as
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Model Year: 2025-2027
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As low as
Rate is APR. * **
As Low As; Model Year: 2023-2027
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Published APR range: 5.54% to 13.99%.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski; Rates Change Often, Contact us for current rate
As low as
As low as
As Low As
Rates as low as
As Low As; Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. For vehicles 7 years and older, we lend based on wholesale values.
As Low As; Model Year: 2025-2027
Published APR range: 5.89% to 15.24%.
On a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99. New - 2023 Models and newer
As Low As; Model Year: 2023-2027
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As Low As; Model Year: 2020-2022
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
as low as; Loan Term
As Low As; Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. For vehicles 7 years and older, we lend based on wholesale values.
Rates as low as
As Low As; Model Year: 2023-2027
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2016 - 2026
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2018 - 2026
As Low As; Model Year: 2020-2022
As Low As; Model Year: 2017-2019
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2022 - 2026
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2023 - 2026
Published APR range: 6.59% to 16.55%.
New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski; Rates Change Often, Contact us for current rate
As Low As; Model Year: 2014-2016
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As Low As; Model Year: 2011-2013
Published APR range: 7.571% - 18.000%.
As Low As; Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. For vehicles 7 years and older, we lend based on wholesale values.
Rates as low as
As Low As; Model Year: 2010-Older
As Low As; Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. For vehicles 7 years and older, we lend based on wholesale values.
Rates as low as
Published APR range: 8.572% - 18.00%.
As Low As; Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. For vehicles 7 years and older, we lend based on wholesale values.
Rates as low as
As Low As; Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. APR = Annual Percentage Rate. The base APR available varies by state, as high as 11.39% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan.
Arkansas New Auto Auto Loan Rates
as low as; Loan Term
As Low As; *APR is the Annual Percentage Rate.
As Low As; Rates based on term selected. Collateral: 2025 or newer; Mileage: 10,000 or less
Published APR range: 3.99 - 18.00%.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
as low as; Loan Term
Rates as low as:
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as
Rates as low as
New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski; Rates Change Often, Contact us for current rate
As low as
Rate is APR. *
Rates as low as:
As Low As; Model Year: 2025-2027
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski; Rates Change Often, Contact us for current rate
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
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As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Model Year: 2025-2027
As low as
Rate is APR. * **
Published APR range: 5.54% to 13.99%.
New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski; Rates Change Often, Contact us for current rate
Rates as low as
As Low As; Model Year: 2025-2027
Published APR range: 5.89% to 15.24%.
On a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99. New - 2023 Models and newer
Rates as low as:
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As low as
As low as
As low as
As low as
New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski; Rates Change Often, Contact us for current rate
Rates as low as:
Published APR range: 7.571% - 18.000%.
Arkansas Used Auto Auto Loan Rates
Published APR range: 3.99 - 18.00%.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As; Rates based on term selected. Collateral: 2019 or newer; Mileage: 100,000 or less
As Low As; **APR is the Annual Percentage Rate.
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Rate is APR. *
Rates as low as:
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as
As low as
As low as
As low as
Rate is APR. * **
As Low As; Model Year: 2023-2027
Published APR range: 5.54% to 13.99%.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As low as
As low as
Published APR range: 5.89% to 15.24%.
As Low As; Model Year: 2023-2027
As low as
As low as
Rates as low as:
As Low As; Model Year: 2020-2022
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Rates as low as
As Low As; Model Year: 2023-2027
2016 - 2026
2018 - 2026
As Low As; Model Year: 2020-2022
As Low As; Model Year: 2017-2019
2022 - 2026
2023 - 2026
Published APR range: 6.59% to 16.55%.
As Low As; Model Year: 2014-2016
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As Low As; Model Year: 2011-2013
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As Low As; Model Year: 2010-Older
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Published APR range: 8.572% - 18.00%.
Rates as low as
Arkansas Auto Loan Rate Trends
Compare local Arkansas auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Arkansas new auto rates rose 0.246 points over the past 7 days to 5.546% APR.
Arkansas used auto rates rose 0.186 points over the past 7 days to 5.875% APR.
Arkansas Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Arkansas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Arkansas APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.55% APR AR average | Used Auto @ 5.87% APR AR average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.83/mo | $289.12/mo | $2.29/mo |
| $25,000 | $478.05/mo | $481.87/mo | $3.81/mo |
| $35,000 | $669.28/mo | $674.61/mo | $5.34/mo |
| $45,000 | $860.50/mo | $867.36/mo | $6.86/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Arkansas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Arkansas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Arkansas. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Arkansas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Arkansas CD rates lock in a guaranteed return until you’re ready to buy
Arkansas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $574 monthly car payment works out to roughly 17.5% of the median individual income in Arkansas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Arkansas, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Arkansas. We’ve prefilled the APR with today’s AR new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Arkansas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Arkansas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Arkansas. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in AR.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Arkansas
How does my credit score affect my car loan rate in Arkansas?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Arkansas?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Arkansas?
- United Federal Credit Union: 2.99% (Auto Loan)
- Riverland Federal Credit Union: 3.50% (Auto Loans - Cars, Trucks, & SUVs)
- Baxter Credit Union: 3.64% (Auto Loans - 2025 & Newer)
- Mercy Credit Union: 3.74% (2025-2026 New Vehicle Loan)
- Telcoe Federal Credit Union: 3.74% (New Auto)
Auto Loan Rates by City in Arkansas
