Best Personal Loan Rates in Fort Smith, Arkansas (AR) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Fort Smith, Arkansas include: River Town Federal Credit UnionRiver Town Federal Credit Union1001 S 21st St, FORT SMITH, AR, 72901 4007A+5.0 ★Texas Ratio: 0.00% offering Personal (Signature) Loans at 8.00% APR, Arkansas Best Federal Credit UnionArkansas Best Federal Credit Union3501 Old Greenwood Rd, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 1.31% offering Signature at 9.50% APR, Mercy Credit UnionMercy Credit Union7301 Rogers Ave, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 1.69% offering Unsecured Loan at 10.00% APR, Red River Employees Federal Credit UnionRed River Employees Federal Credit Union4300 Rogers Ave, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 5.10% offering Personal Loans at 13.30% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Fort Smith has 4 local institutions in our database, with personal loan rates as low as 8.00% APR from River Town Federal Credit Union at 1001 S 21st St, FORT SMITH, AR, 72901 4007. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Fort Smith, Arkansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Fort Smith, Arkansas. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 19, 2026
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
100% of available shares
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Let the lending team at Alcoa Community Federal Credit Union help you secure your land with competitive rates and flexible terms.
As Low As
As Low As
No additional details available.
$6000 Maximum Rate depends on Credit rating
As Low As
As Low As
As Low As; Terms up to 18 Months w/ a Max Loan Amount of $3,000
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
$5000 Maximum Rate depends on credit rating
No additional details available.
As Low As; Terms from 24 - 60 Months
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; 12 Month Repayment No Prepayment Fees
No additional details available.
As Low As
As Low As; *Rates and maximums based on credit score
As Low As; Terms up to 24 Months w/ a Max Loan Amount of $3,000
$4000 Maximum Rate depends on credit rating
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
$3000 Maximum Rate depends on credit rating
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$1200
Regular APR: 12.00 - 18.00
No additional details available.
Credit Builder loan rates are 12.90% APR
As Low As
$2000 Maximum Rate depends on credit rating
As Low As
No additional details available.
As Low As
As Low As
As Low As
$1500 Maximum Rate depends on credit rating
No additional details available.
As Low As
No additional details available.
As Low As; Use it for whatever life throws at you - Medical bills, vacation, home improvements, and more! These loans start at $250 and go up based on your income & credit. Rates and terms are fixed for up to 60 months.
As Low As
No additional details available.
No additional details available.
No additional details available.
Qualifications Required: be a Member for at least 120 days; be 18 years old or older; have verifiable income; not be delinquent on any existing loans; not have a negative balance in any account; not be in the process of filing for bankruptcy; The Credit Union alternative for Pay Day Loans for when you're short between pay checks or have an unexpected expense. For an annual fee of $35, Members can borrow $250 a month. Pay back the initial advance plus the interest within 30 days and you can get another advance.
No additional details available.
As Low As
As Low As
100% of available shares
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As; Terms from 24 - 60 Months
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
Regular APR: 12.00 - 18.00
No additional details available.
As Low As
No additional details available.
Fort Smith, AR Personal Loan Rate Trends
Compare local Fort Smith, AR personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Arkansas personal loan rates fell 0.476 points over the past 7 days to 11.968% APR.
Arkansas signature loan rates rose 1.228 points over the past 7 days to 10.988% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Arkansas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Arkansas?
Are credit unions or banks better for personal loans in Fort Smith, Arkansas?
What are the best personal loan rates in Fort Smith, Arkansas?
- River Town Federal Credit Union: 8.00% (Personal (Signature) Loans)
- Arkansas Best Federal Credit Union: 9.50% (Signature)
- Mercy Credit Union: 10.00% (Unsecured Loan)
- Red River Employees Federal Credit Union: 13.30% (Personal Loans)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Calculators
