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Auto Loan Rates in Fort Smith, Arkansas (AR) for April 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Fort Smith, Arkansas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in Fort Smith, Arkansas include United Federal Credit UnionUnited Federal Credit Union8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628A+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.70%, Mercy Credit UnionMercy Credit Union7301 Rogers Ave, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 1.69% offering New Vehicles 2025-2026 at 3.74%, Arkansas Best Federal Credit UnionArkansas Best Federal Credit Union3501 Old Greenwood Rd, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 1.31% offering New and Used Autos at 4.24%, Red River Employees Federal Credit UnionRed River Employees Federal Credit Union4300 Rogers Ave, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 5.10% offering 2025 Auto Loan at 4.35%, Arkansas AM&N College Federal Credit UnionArkansas AM&N College Federal Credit UnionA+5.0 ★Texas Ratio: 3.89% offering New Auto Loan at 1.99%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Fort Smith has 4 local institutions in our database, with auto loan rates as low as 3.70% APR from United Federal Credit Union at 8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Fort Smith, Arkansas. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Fort Smith, Arkansas & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
View
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
7301 Rogers Ave, Fort Smith, AR, 72903
New Vehicles 2025-2026
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
View
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
View
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
2025 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
NEW! 2026 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
2025 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
NEW! 2026 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
View
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.85%
60 Months
View
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
2025 Auto Loan
4.95%
84 Months
View
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
NEW! 2026 Auto Loan
4.95%
84 Months
View
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
2022 Auto Loan
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
2023 Auto Loan
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
2024 Auto Loan
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
2021 Auto Loan
5.80%
48 Months
View
▼
APR5.80%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
2020 or Older Auto Loan
6.55%
36 Months
View
▼
APR6.55%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Auto Loan
1.99%
72 Months
View
▼
APR1.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As low As 1.99%. 90% of MSRP Rate depends on credit rating

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
Auto Loans
3.50%
Up to 36 months
View
▼
APR3.50%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As; Cars, Trucks, & SUVs

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New Auto
3.74%
up to 84 month terms
View
▼
APR3.74%
Termup to 84 month terms
Last UpdatedApr 18, 2026
Details

As Low As; Rates based on term selected.

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New and Used Vehicles
3.99%
24 - 75
View
▼
APR3.99%
Term24 - 75
Last UpdatedApr 18, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Used Auto
4.24%
24 to 60 months
View
▼
APR4.24%
Term24 to 60 months
Last UpdatedApr 18, 2026
Details

As Low As; Rates based on term selected.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
View
▼
APR4.79%
TermUp to 51 Months
Last UpdatedApr 18, 2026
Details

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
4.87%
36 Months
View
▼
APR4.87%
Term36 Months
Last UpdatedApr 18, 2026
Details

Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski

FCI Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.31%
Teal Good Auto Loans
4.95%
84 Months
View
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; for 84 Months. Other rates and terms available.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026- 2019)
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 18, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan 2022-2025
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.12%
60 Months
View
▼
APR5.12%
Term60 Months
Last UpdatedApr 18, 2026
Details

Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski

UP Arkansas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
AUTO LOAN (2010-2026)
5.22%
Up to 84
View
▼
APR5.22%
TermUp to 84
Last UpdatedApr 18, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2022 - 2024)
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 18, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2021-2025
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.62%
72 Months
View
▼
APR5.62%
Term72 Months
Last UpdatedApr 18, 2026
Details

Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
5.89%
72 Months
View
▼
APR5.89%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2018-2020
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
6.39%
66 Months
View
▼
APR6.39%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2016-2017
6.39%
60 Months
View
▼
APR6.39%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
6.62%
84 Months
View
▼
APR6.62%
Term84 Months
Last UpdatedApr 18, 2026
Details

Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2014-2015
6.79%
54 Months
View
▼
APR6.79%
Term54 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2011-2013
7.29%
48 Months
View
▼
APR7.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedApr 18, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2010-Older
7.79%
42 Months
View
▼
APR7.79%
Term42 Months
Last UpdatedApr 18, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedApr 18, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
View
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
7301 Rogers Ave, Fort Smith, AR, 72903
New Vehicles 2025-2026
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
View
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
View
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
NEW! 2026 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
NEW! 2026 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
View
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.85%
60 Months
View
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
NEW! 2026 Auto Loan
4.95%
84 Months
View
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Auto Loan
1.99%
72 Months
View
▼
APR1.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As low As 1.99%. 90% of MSRP Rate depends on credit rating

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New Auto
3.74%
up to 84 month terms
View
▼
APR3.74%
Termup to 84 month terms
Last UpdatedApr 18, 2026
Details

As Low As; Rates based on term selected.

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New and Used Vehicles
3.99%
24 - 75
View
▼
APR3.99%
Term24 - 75
Last UpdatedApr 18, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
View
▼
APR4.79%
TermUp to 51 Months
Last UpdatedApr 18, 2026
Details

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
4.87%
36 Months
View
▼
APR4.87%
Term36 Months
Last UpdatedApr 18, 2026
Details

Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026- 2019)
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 18, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan 2022-2025
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.12%
60 Months
View
▼
APR5.12%
Term60 Months
Last UpdatedApr 18, 2026
Details

Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2022 - 2024)
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 18, 2026
Details

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.62%
72 Months
View
▼
APR5.62%
Term72 Months
Last UpdatedApr 18, 2026
Details

Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
6.62%
84 Months
View
▼
APR6.62%
Term84 Months
Last UpdatedApr 18, 2026
Details

Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedApr 18, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
View
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
View
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
View
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
View
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.85%
60 Months
View
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New and Used Vehicles
3.99%
24 - 75
View
▼
APR3.99%
Term24 - 75
Last UpdatedApr 18, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Used Auto
4.24%
24 to 60 months
View
▼
APR4.24%
Term24 to 60 months
Last UpdatedApr 18, 2026
Details

As Low As; Rates based on term selected.

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
View
▼
APR4.79%
TermUp to 51 Months
Last UpdatedApr 18, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026- 2019)
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 18, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2022 - 2024)
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 18, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2021-2025
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
5.89%
72 Months
View
▼
APR5.89%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2018-2020
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
6.39%
66 Months
View
▼
APR6.39%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2016-2017
6.39%
60 Months
View
▼
APR6.39%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2014-2015
6.79%
54 Months
View
▼
APR6.79%
Term54 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2011-2013
7.29%
48 Months
View
▼
APR7.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2010-Older
7.79%
42 Months
View
▼
APR7.79%
Term42 Months
Last UpdatedApr 18, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedApr 18, 2026
Details

Fort Smith, AR Auto Loan Rate Trends

Compare local Fort Smith, AR 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.

View Full Arkansas Auto Trends →
New Auto Loan — AR Avg
5.091%
▼ 0.096 vs 7 days ago

Arkansas new auto rates fell 0.096 points over the past 7 days to 5.091% APR.

Used Auto Loan — AR Avg
5.574%
▼ 0.276 vs 7 days ago

Arkansas used auto rates fell 0.276 points over the past 7 days to 5.574% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Fort Smith, Arkansas

How does my credit score affect my car loan rate in Arkansas?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Fort Smith, Arkansas with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Arkansas *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Fort Smith, Arkansas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Fort Smith, Arkansas?

Based on our current data, some of the lowest auto loan rates available in Fort Smith, Arkansas include:
  • United Federal Credit Union: 3.70% (Fixed Rate New & Used Auto Loans)
  • Mercy Credit Union: 3.74% (New Vehicles 2025-2026)
  • Arkansas Best Federal Credit Union: 4.24% (New and Used Autos)
  • Red River Employees Federal Credit Union: 4.35% (2025 Auto Loan)
  • Arkansas AM&N College Federal Credit Union: 1.99% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Fort Smith, Arkansas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

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