Auto Loan Rates in Cotton Plant, Arkansas (AR) for June 2026
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Brian McKay
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Current auto loan rates in Cotton Plant, Arkansas include 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%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.13% offering Auto Loan at 2.99%, Orion Federal Credit UnionOrion Federal Credit UnionA+5.0 ★Texas Ratio: 2.33% offering Auto Loans at 3.45%, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 4.06% offering Auto Loans at 3.50%, Telcoe Federal Credit UnionTelcoe Federal Credit UnionA+5.0 ★Texas Ratio: 0.38% offering New Auto at 3.74%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Cotton Plant borrowers have access to 15 lenders serving the Arkansas area, with auto loan rates as low as 1.99% APR from Arkansas AM&N College Federal Credit Union. 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 Cotton Plant, Arkansas. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Cotton Plant, Arkansas & Surrounding Area
Cotton Plant Auto Loan Rates
90% of MSRP Rate depends on credit rating
Limited-time offer. Rate requires autopay from a United checking account.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Starting at
Cars, Trucks, & SUVs; As Low As
As Low As; Rates based on term selected.
As Low As; *APR is the Annual Percentage Rate.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; 2026 & Newer
As Low As; Rates based on term selected.
As Low As
As Low As; **
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Rates Change Often, Contact us for current rate
As Low As
As Low As
As Low As; New vehicle model years 2022-2025
As Low As; Current to 5 Year Old Models-New vehicles are vehicles that have not previously been sold or titled.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Rates Change Often, Contact us for current rate
As Low As; 2023 - 2025*
As Low As; New vehicle model years 2022-2025
As Low As; Used vehicle model years 2021-2025
Rates Change Often, Contact us for current rate
As Low As; New vehicle model years 2022-2025
As Low As; Used vehicle model years 2021-2025
As Low As
As Low As
As Low As; Used vehicle model years 2018-2020
As Low As
As Low As; Used vehicle model years 2021-2025
As Low As; Used vehicle model years 2018-2020
Rates Change Often, Contact us for current rate
As Low As; Used vehicle model years 2014-2015
As Low As
As Low As
As Low As
As Low As; Used vehicle model years 2011-2013
As Low As; Used vehicle model years 2010-Older
As Low As; APR = Annual Percentage Rate. The base APR available varies by state, as high as 11.39% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 11.39% APR for 60 months equals $438.75 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Cotton Plant New Auto Auto Loan Rates
90% of MSRP Rate depends on credit rating
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Rates based on term selected.
As Low As; *APR is the Annual Percentage Rate.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Rates Change Often, Contact us for current rate
As Low As
As Low As; New vehicle model years 2022-2025
As Low As; Current to 5 Year Old Models-New vehicles are vehicles that have not previously been sold or titled.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Rates Change Often, Contact us for current rate
As Low As; New vehicle model years 2022-2025
Rates Change Often, Contact us for current rate
As Low As; New vehicle model years 2022-2025
As Low As
Rates Change Often, Contact us for current rate
As Low As
Cotton Plant Used Auto Auto Loan Rates
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Rates based on term selected.
As Low As; **
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As
As Low As; Current to 5 Year Old Models-New vehicles are vehicles that have not previously been sold or titled.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Used vehicle model years 2021-2025
As Low As; Used vehicle model years 2021-2025
As Low As
As Low As; Used vehicle model years 2018-2020
As Low As; Used vehicle model years 2021-2025
As Low As; Used vehicle model years 2018-2020
As Low As; Used vehicle model years 2014-2015
As Low As
As Low As
As Low As; Used vehicle model years 2011-2013
As Low As; Used vehicle model years 2010-Older
Cotton Plant, AR Auto Loan Rate Trends
Compare local Cotton Plant, 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.
Arkansas new auto rates fell 0.056 points over the past 7 days to 5.087% APR.
Arkansas used auto rates fell 0.046 points over the past 7 days to 5.638% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cotton Plant, 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 Cotton Plant, 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 Cotton Plant, 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 Cotton Plant, Arkansas
How does my credit score affect my car loan rate in Arkansas?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Cotton Plant, Arkansas?
- Arkansas AM&N College Federal Credit Union: 1.99% (New Auto Loan)
- United Federal Credit Union: 2.99% (Auto Loan)
- Orion Federal Credit Union: 3.45% (Auto Loans)
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- Telcoe Federal Credit Union: 3.74% (New Auto)
Cotton Plant, Arkansas Rates & Resources
