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

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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: June 1, 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: 3.13% offering Fixed Rate New & Used Auto Loans at 3.50%, Mercy Credit UnionMercy Credit Union7301 Rogers Ave, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 1.66% 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: 1.25% offering New and Used Autos at 4.24%, 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%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%. Auto loan rates as of June 1, 2026 according to verified data from MonitorBankRates.

Fort Smith has 3 local institutions in our database, with auto loan rates as low as 3.50% 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: June 1, 2026

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

Jump to: All Auto Loans · New Auto · Used Auto

Fort Smith Auto Loan Rates

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: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details

As Low As; All Years**

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
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 UpdatedMay 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details

As Low As; All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details

As Low As; All Years**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedJun 1, 2026
Details

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedJun 1, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 29, 2026
Details

As Low As; 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedJun 1, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 29, 2026
Details

As Low As; 2022 or Newer

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedJun 1, 2026
Details

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 UpdatedMay 29, 2026
Details

90% of MSRP Rate depends on credit rating

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details

As Low As; APR - 2026 & Newer

Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Auto Loans
3.45%
84 Months
View
▼
APR3.45%
Term84 Months
Last UpdatedMay 23, 2026
Details

As Low As

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loans
3.50%
Up to 36 months
View
▼
APR3.50%
TermUp to 36 months
Last UpdatedMay 23, 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 UpdatedMay 30, 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%
36 Months
View
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details

As Low As; APR - 2026 & Newer

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New and Used Vehicles Loan
3.99%
24 - 75
View
▼
APR3.99%
Term24 - 75
Last UpdatedMay 30, 2026
Details

(Cars, Trucks, and Motorcycles)

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 UpdatedMay 30, 2026
Details

As Low As; Rates based on term selected.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedMay 22, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details

As Low As; APR - 2023 - 2025*

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 22, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older) Loan
4.79%
Up to 51 Months
View
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 30, 2026
Details

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
New Vehicle Loan
4.87%
36 Months
View
▼
APR4.87%
Term36 Months
Last UpdatedMay 29, 2026
Details

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

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details

As Low As; APR - 2023 - 2025*

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 22, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026- 2019) Loan
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 30, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
New Auto Loan 2022-2025
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 30, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
New Vehicle Loan
5.12%
60 Months
View
▼
APR5.12%
Term60 Months
Last UpdatedMay 29, 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: 1.31%
AUTO LOAN (2010-2026)
5.22%
Up to 84
View
▼
APR5.22%
TermUp to 84
Last UpdatedMay 7, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
New Auto Loan
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedMay 30, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2022 - 2024) Loan
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 30, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2021-2025
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 30, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
New Vehicle Loan
5.62%
72 Months
View
▼
APR5.62%
Term72 Months
Last UpdatedMay 29, 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: 17.71%
New & Used Vehicles2 Loan
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
New Auto Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedMay 30, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan
5.89%
72 Months
View
▼
APR5.89%
Term72 Months
Last UpdatedMay 30, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 20, 2026
Details

As Low As; APR - 2023 - 2025*

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 22, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2018-2020
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 30, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedMay 30, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan
6.39%
66 Months
View
▼
APR6.39%
Term66 Months
Last UpdatedMay 30, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2016-2017
6.39%
60 Months
View
▼
APR6.39%
Term60 Months
Last UpdatedMay 30, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
New Vehicle Loan
6.62%
84 Months
View
▼
APR6.62%
Term84 Months
Last UpdatedMay 29, 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: 4.89%
Used Auto Loan 2014-2015
6.79%
54 Months
View
▼
APR6.79%
Term54 Months
Last UpdatedMay 30, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMay 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMay 22, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2011-2013
7.29%
48 Months
View
▼
APR7.29%
Term48 Months
Last UpdatedMay 30, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2010-Older
7.79%
42 Months
View
▼
APR7.79%
Term42 Months
Last UpdatedMay 30, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 22, 2026
Details

Fort Smith New Auto Auto Loan Rates

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: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details

As Low As; All Years**

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
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 UpdatedMay 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details

As Low As; All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details

As Low As; All Years**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedJun 1, 2026
Details

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedJun 1, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 29, 2026
Details

As Low As; 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedJun 1, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 29, 2026
Details

As Low As; 2022 or Newer

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedJun 1, 2026
Details

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 UpdatedMay 29, 2026
Details

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 UpdatedMay 30, 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%
36 Months
View
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New and Used Vehicles Loan
3.99%
24 - 75
View
▼
APR3.99%
Term24 - 75
Last UpdatedMay 30, 2026
Details

(Cars, Trucks, and Motorcycles)

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedMay 22, 2026
Details

As Low As

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 22, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older) Loan
4.79%
Up to 51 Months
View
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 30, 2026
Details

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
New Vehicle Loan
4.87%
36 Months
View
▼
APR4.87%
Term36 Months
Last UpdatedMay 29, 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: 5.77%
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026- 2019) Loan
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 30, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
New Auto Loan 2022-2025
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 30, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
New Vehicle Loan
5.12%
60 Months
View
▼
APR5.12%
Term60 Months
Last UpdatedMay 29, 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: 4.89%
New Auto Loan
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedMay 30, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2022 - 2024) Loan
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 30, 2026
Details

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
New Vehicle Loan
5.62%
72 Months
View
▼
APR5.62%
Term72 Months
Last UpdatedMay 29, 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: 17.71%
New & Used Vehicles2 Loan
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
New Auto Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedMay 30, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
New Vehicle Loan
6.62%
84 Months
View
▼
APR6.62%
Term84 Months
Last UpdatedMay 29, 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: 5.77%
NEW Auto Loan
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMay 22, 2026
Details

As Low As

Fort Smith Used Auto Auto Loan Rates

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: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details

As Low As; All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details

As Low As; All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details

As Low As; All Years**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedJun 1, 2026
Details

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedJun 1, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 29, 2026
Details

As Low As; 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedJun 1, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 29, 2026
Details

As Low As; 2022 or Newer

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedJun 1, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
View
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New and Used Vehicles Loan
3.99%
24 - 75
View
▼
APR3.99%
Term24 - 75
Last UpdatedMay 30, 2026
Details

(Cars, Trucks, and Motorcycles)

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 UpdatedMay 30, 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%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 22, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older) Loan
4.79%
Up to 51 Months
View
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 30, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 22, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026- 2019) Loan
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 30, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2022 - 2024) Loan
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 30, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2021-2025
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 30, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles2 Loan
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan
5.89%
72 Months
View
▼
APR5.89%
Term72 Months
Last UpdatedMay 30, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 22, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2018-2020
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 30, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedMay 30, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan
6.39%
66 Months
View
▼
APR6.39%
Term66 Months
Last UpdatedMay 30, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2016-2017
6.39%
60 Months
View
▼
APR6.39%
Term60 Months
Last UpdatedMay 30, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2014-2015
6.79%
54 Months
View
▼
APR6.79%
Term54 Months
Last UpdatedMay 30, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMay 22, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2011-2013
7.29%
48 Months
View
▼
APR7.29%
Term48 Months
Last UpdatedMay 30, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.89%
Used Auto Loan 2010-Older
7.79%
42 Months
View
▼
APR7.79%
Term42 Months
Last UpdatedMay 30, 2026
Details

As Low As

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
5.087%
Unchanged vs 7 days ago

Arkansas new auto loan rates currently average 5.087% APR.

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

Arkansas used auto loan rates currently average 5.574% APR.

As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Fort Smith, 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 Fort Smith, 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 Fort Smith, 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 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: 3.50% (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)
  • Arkansas AM&N College Federal Credit Union: 1.99% (New Auto Loan)
  • Baxter Credit Union: 3.24% (Auto Loans)
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: June 1, 2026

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