Auto Loan Rates in Little Rock, Arkansas (AR) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Little Rock, Arkansas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Little Rock, Arkansas include Orion Federal Credit UnionOrion Federal Credit Union1201 W 3rd ST, Little Rock, AR, 72201 1903A+5.0 ★Texas Ratio: 2.42% offering Auto Loans at 3.45%, Telcoe Federal Credit UnionTelcoe Federal Credit Union820 Louisiana St, Little Rock, AR, 72201 4692A+5.0 ★Texas Ratio: 0.38% offering New Auto at 3.74%, TruService Community Federal Credit UnionTruService Community Federal Credit Union11001 Hermitage Rd, LIttle Rock, AR, 72211A+5.0 ★Texas Ratio: 4.69% offering New and Used Vehicles at 3.99%, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS8411 Interstate 30, Little Rock, AR, 72209 4844A+5.0 ★Texas Ratio: 0.03% offering Vehicle Loans - New (Up to 2 Years Old) at 7.57%, 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 May 12, 2026 according to verified data from MonitorBankRates.
Little Rock has 4 local institutions in our database, with auto loan rates as low as 3.45% APR from Orion Federal Credit Union at 1201 W 3rd ST, Little Rock, AR, 72201 1903. 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 Little Rock, Arkansas. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Little Rock, Arkansas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR, 72201 1903
Auto Loans
3.45%
Max. 84 Months
▼
APR3.45%
TermMax. 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR, 72201 4692
New Auto
3.74%
up to 84 month terms
▼
APR3.74%
Termup to 84 month terms
Last UpdatedMay 7, 2026
Details
As Low As; Rates based on term selected.
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR, 72211
New and Used Vehicles
3.99%
24 - 75
▼
APR3.99%
Term24 - 75
Last UpdatedMay 7, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR, 72201 4692
Used Auto
4.24%
24 to 60 months
▼
APR4.24%
Term24 to 60 months
Last UpdatedMay 7, 2026
Details
As Low As; Rates based on term selected.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
8411 Interstate 30, Little Rock, AR, 72209 4844
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMay 10, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
8411 Interstate 30, Little Rock, AR, 72209 4844
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMay 10, 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
▼
APR1.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
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
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
Auto Loans
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As; Cars, Trucks, & SUVs
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 10, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 12, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 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
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 12, 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
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
4.87%
36 Months
▼
APR4.87%
Term36 Months
Last UpdatedMay 6, 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
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 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
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 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
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 7, 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
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 or Newer
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.12%
60 Months
▼
APR5.12%
Term60 Months
Last UpdatedMay 6, 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
▼
APR5.22%
TermUp to 84
Last UpdatedMay 7, 2026
Details
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 7, 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
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 7, 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
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.62%
72 Months
▼
APR5.62%
Term72 Months
Last UpdatedMay 6, 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
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 7, 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
▼
APR5.89%
Term72 Months
Last UpdatedMay 7, 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
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 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
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 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
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 12, 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
▼
APR6.29%
Term84 Months
Last UpdatedMay 7, 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
▼
APR6.39%
Term66 Months
Last UpdatedMay 7, 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
▼
APR6.39%
Term60 Months
Last UpdatedMay 7, 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
▼
APR6.62%
Term84 Months
Last UpdatedMay 6, 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
▼
APR6.79%
Term54 Months
Last UpdatedMay 7, 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
▼
APR6.99%
Term84 Months
Last UpdatedMay 7, 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
▼
APR6.99%
Term72 Months
Last UpdatedMay 7, 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
▼
APR7.24%
Term84 Months
Last UpdatedMay 7, 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
▼
APR7.29%
Term48 Months
Last UpdatedMay 7, 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
▼
APR7.79%
Term42 Months
Last UpdatedMay 7, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR, 72201 4692
New Auto
3.74%
up to 84 month terms
▼
APR3.74%
Termup to 84 month terms
Last UpdatedMay 7, 2026
Details
As Low As; Rates based on term selected.
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR, 72211
New and Used Vehicles
3.99%
24 - 75
▼
APR3.99%
Term24 - 75
Last UpdatedMay 7, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
8411 Interstate 30, Little Rock, AR, 72209 4844
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMay 10, 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
▼
APR1.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% of MSRP Rate depends on credit rating
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 10, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 12, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 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
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 12, 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
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
4.87%
36 Months
▼
APR4.87%
Term36 Months
Last UpdatedMay 6, 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
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 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
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 7, 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
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 or Newer
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.12%
60 Months
▼
APR5.12%
Term60 Months
Last UpdatedMay 6, 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
▼
APR5.39%
Term72 Months
Last UpdatedMay 7, 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
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 7, 2026
Details
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.62%
72 Months
▼
APR5.62%
Term72 Months
Last UpdatedMay 6, 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
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 7, 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
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 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
▼
APR6.62%
Term84 Months
Last UpdatedMay 6, 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
▼
APR6.99%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
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Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR, 72211
New and Used Vehicles
3.99%
24 - 75
▼
APR3.99%
Term24 - 75
Last UpdatedMay 7, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR, 72201 4692
Used Auto
4.24%
24 to 60 months
▼
APR4.24%
Term24 to 60 months
Last UpdatedMay 7, 2026
Details
As Low As; Rates based on term selected.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
8411 Interstate 30, Little Rock, AR, 72209 4844
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMay 10, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 12, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 12, 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
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 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
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 7, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 or Newer
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2022 - 2024)
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 7, 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
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMay 7, 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
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 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
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 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
▼
APR6.29%
Term84 Months
Last UpdatedMay 7, 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
▼
APR6.39%
Term66 Months
Last UpdatedMay 7, 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
▼
APR6.39%
Term60 Months
Last UpdatedMay 7, 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
▼
APR6.79%
Term54 Months
Last UpdatedMay 7, 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
▼
APR6.99%
Term72 Months
Last UpdatedMay 7, 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
▼
APR7.24%
Term84 Months
Last UpdatedMay 7, 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
▼
APR7.29%
Term48 Months
Last UpdatedMay 7, 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
▼
APR7.79%
Term42 Months
Last UpdatedMay 7, 2026
Details
As Low As
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Little Rock, AR Auto Loan Rate Trends
Compare local Little Rock, 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.
New Auto Loan — AR Avg
5.087%
▼ 0.052 vs 7 days ago
Arkansas new auto rates fell 0.052 points over the past 7 days to 5.087% APR.
Used Auto Loan — AR Avg
5.574%
▲ 0.030 vs 7 days ago
Arkansas used auto rates rose 0.030 points over the past 7 days to 5.574% APR.
As of May 15, 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 Little Rock, 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 Little Rock, 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 Little Rock, 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 Little Rock, 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 Little Rock, 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 Little Rock, 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 Little Rock, Arkansas?
Based on our current data, some of the lowest auto loan rates available in Little Rock, Arkansas include:
- Orion Federal Credit Union: 3.45% (Auto Loans)
- Telcoe Federal Credit Union: 3.74% (New Auto)
- TruService Community Federal Credit Union: 3.99% (New and Used Vehicles)
- Hope Federal Credit Union Jackson, MS: 7.57% (Vehicle Loans - New (Up to 2 Years Old))
- 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 Little Rock, Arkansas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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