Elm Springs, Arkansas Best Auto Loan Rates - October 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
Elm Springs, Arkansas auto loan rates from lenders serving Arkansas range from 2.99% to 9.24% APR, verified by MonitorBankRates as of October 23, 2026. Current auto loan rates in Elm Springs, Arkansas include United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 4.11%Rate verified Oct 23, 2026 offering Fixed Rate New & Used Auto Loans at 2.99%, Multi-States Credit UnionMulti-States Credit UnionA+5.0 ★Texas Ratio: 2.17%Rate verified Oct 19, 2026 offering New Vehicles Loan at 3.49%, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 2.72%Rate verified Oct 19, 2026 offering Auto Loans - Cars, Trucks, & SUVs at 3.50%, Telcoe Federal Credit UnionTelcoe Federal Credit UnionA+5.0 ★Texas Ratio: 0.18%Rate verified Oct 23, 2026 offering New Auto Loan at 3.74%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31%Rate verified Oct 19, 2026 offering Auto Loan at 3.84%. Auto loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Elm Springs borrowers have access to 27 lenders serving the Arkansas area, with auto loan rates as low as 2.99% APR from United Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Elm Springs, Arkansas. Auto Loan Rates Last Updated and Verified: October 23, 2026
Compare Auto Loan Rates Today in Elm Springs, Arkansas & Surrounding Area
Elm Springs Auto Loan Rates
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
As Low As; Model Year: 2025-2026; Low As Rate is based on a 3 year term; Terms may be based on credit score, model year and mileage; APR range shown as as low as 3.49%
- Oct 19, 20263.49%▼ from 3.74%
- Sep 14, 20263.74%first recorded
As Low As; Effective Date: October 18, 2026
As Low As; Rate based on term selected; Collateral: 2025 or newer; Turnaround: 1 hour; Mileage: 10,000 or less; Terms: up to 84 month terms
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As; Starting at 3.95% APR
As Low As; NEW Auto Loan Rates
APR range: 3.99% - 18.00%
As Low As; Rate based on term selected; Collateral: 2019 or newer; Turnaround: 1 hour; Mileage: 100,000 or less; Terms: 24 to 60 months
As Low As; Model Year: 2024 and Older; Low As Rate is based on a 5 year term; Terms may be based on credit score, model year and mileage
Published APR range: 4.24% - 18.00%. Risk based: APR within range based on creditworthiness
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
As Low As; For new and used vehicles; with approved credit; rates and terms based on vehicle year model, amount financed, and credit score; subject to change
Published APR range: 4.49% - 18.00%. Risk based: APR within range based on creditworthiness
As Low As; APR range based on creditworthiness and term of loan; Membership required
- Sep 28, 20264.50%▲ from 4.20%
- Sep 14, 20264.20%first recorded
As Low As; NEW Auto Loan Rates
As Low As; USED Auto Loan Rates
As Low As; Effective Date: October 18, 2026
As Low As; Untitled & less than 7,500 miles; EFCU loans up to 100% of the vehicle's cost on new vehicles
As Low As; Age: New: untitled and less than 7,500 miles; Rates current as of April 1, 2026
Published APR range: 4.74% - 18.00%. Risk based: APR within range based on creditworthiness
As Low As; New vehicles are defined as not previously titled or within the first 6 months of the original purchase
- Oct 23, 20264.79%▲ from 4.69%
- Oct 13, 20264.69%first recorded
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20264.84%▲ from 4.64%
- Sep 22, 20264.64%first recorded
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
- Oct 2, 20264.85%▲ from 3.80%
- Sep 17, 20263.80%first recorded
As Low As; Model Year: 2025
- Oct 4, 20264.90%▲ from 4.60%
- Sep 14, 20264.60%first recorded
As Low As; Model Year: 2026
Model Year: 2018 & Older; Same great rate for all approved repo auto loans; Rates are not based on credit score; Vehicles sold "as is"
As Low As; Annual Percentage Rate (APR) column
- Oct 23, 20264.99%▲ from 3.88%
- Oct 9, 20263.88%first recorded
As Low As; USED Auto Loan Rates
As Low As; Model Year: 2025-2027
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $898
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
- Oct 2, 20265.00%▲ from 4.05%
- Sep 17, 20264.05%first recorded
As Low As; APR range based on creditworthiness and term of loan; Membership required
- Sep 28, 20265.00%▲ from 4.70%
- Sep 14, 20264.70%first recorded
As Low As; New vehicles are defined as not previously titled or within the first 6 months of the original purchase
- Oct 23, 20265.04%▲ from 4.94%
- Oct 13, 20264.94%first recorded
With approved credit; Auto rates can be reduced by .25% per year down to a minimum of 48 months
- Oct 23, 20265.05%▲ from 4.95%
- Sep 14, 20264.95%first recorded
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $693
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Vehicle Model Years: 2020 or Newer; Effective Date: October 02, 2026
- Oct 4, 20265.25%▼ from 5.50%
- Oct 2, 20265.50%▲ from 4.55%
- Sep 17, 20264.55%first recorded
As Low As; New vehicles are defined as not previously titled or within the first 6 months of the original purchase
- Oct 23, 20265.29%▲ from 5.19%
- Oct 13, 20265.19%first recorded
As Low As; Model years 2023-2027; Used vehicles are defined as being previously registered
- Oct 23, 20265.29%▲ from 5.19%
- Oct 9, 20265.19%first recorded
Model Year: 2025-Newer; Interest rate and term determined by credit qualifications
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Model Year: 2025 & Newer (76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Model Year: 2025-2027
As Low As; APR range based on creditworthiness and term of loan; Membership required
- Sep 28, 20265.40%▲ from 5.10%
- Sep 14, 20265.10%first recorded
Rates effective 10/16/2025; rate based on creditworthiness and term of loan
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $572
Model Year: 2022-2024; Interest rate and term determined by credit qualifications
As Low As; Model Year: 2023-2027
Published APR range: 5.49% - 18.00%. Risk based: APR within range based on creditworthiness
As Low As; NEW Auto Loan Rates
As Low As; Effective Date: October 18, 2026
APR range: 5.54% to 13.99%; New - 2023 Models and newer; Used - 2016-2022 Models
As Low As; New vehicles are defined as not previously titled or within the first 6 months of the original purchase
- Oct 23, 20265.54%▲ from 5.44%
- Oct 13, 20265.44%first recorded
As Low As; Model years 2023-2027; Used vehicles are defined as being previously registered
- Oct 23, 20265.54%▲ from 5.44%
- Oct 9, 20265.44%first recorded
84 months only for current or upcoming vehicle models exceeding $35,000.00 for A+, A and B grade credit; With approved credit
- Oct 23, 20265.59%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2025
- Oct 4, 20265.60%▲ from 5.10%
- Sep 14, 20265.10%first recorded
As Low As; Model Year: 2026
Model Year: 2019-2021; Interest rate and term determined by credit qualifications
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $492
Rates effective 10/16/2025; rate based on creditworthiness and term of loan
As Low As; Untitled & less than 7,500 miles; EFCU loans up to 100% of the vehicle's cost on new vehicles
As Low As; Age: New: untitled and less than 7,500 miles; Rates current as of April 1, 2026
As Low As; Model years 2023-2027; Used vehicles are defined as being previously registered
- Oct 23, 20265.79%▲ from 5.69%
- Oct 9, 20265.69%first recorded
As Low As; Model Year: 2025-2027
As Low As; Model Year: 2025; Loan amount: $20k+
- Oct 4, 20265.80%▲ from 5.30%
- Sep 14, 20265.30%first recorded
As Low As; Model Year: 2026; Loan amount: $20k+
As Low As; Rates effective as of 9/25/2025
As Low As; Rates effective as of 9/25/2025
APR range: 5.89% to 15.24%; New - 2023 Models and newer; Used - 2016-2022 Models
Model Year: 2018-older; Interest rate and term determined by credit qualifications
As Low As; Model Year: 2023-2027
Additional APR listed for this product: 6.20%, 6.85%, 7.05%.
APR range: 5.94%-18.00%; Model Year: 2010-2026; Rate depends on creditworthiness
- Oct 9, 20265.94%▲ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Model Year: 2025; Loan amount: $40k+
- Oct 4, 20265.95%▲ from 5.45%
- Sep 14, 20265.45%first recorded
As Low As; Model Year: 2026; Loan amount: $40k+
As Low As; Loans under $40,000
As Low As; APR range based on creditworthiness and term of loan; Membership required
- Sep 28, 20265.95%▲ from 5.70%
- Sep 14, 20265.70%first recorded
As Low As; USED Auto Loan Rates
As Low As; Model Year: 2020-2022
As Low As; Vehicle Model Years: 2022 or Newer; Effective Date: October 02, 2026
- Oct 2, 20266.00%▲ from 5.05%
- Sep 17, 20265.05%first recorded
As Low As; Model years 2023-2027; Used vehicles are defined as being previously registered
- Oct 23, 20266.04%▲ from 5.94%
- Oct 9, 20265.94%first recorded
As Low As; Rates effective as of 9/25/2025
As Low As; Model Year: 2022
- Oct 4, 20266.15%▲ from 5.65%
- Sep 14, 20265.65%first recorded
As Low As; Model Year: 2023
- Oct 4, 20266.15%▲ from 5.65%
- Sep 14, 20265.65%first recorded
As Low As; Model Year: 2024
- Oct 4, 20266.15%▲ from 5.65%
- Sep 14, 20265.65%first recorded
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $440
Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Age: Used: up to 2 years old; Rates current as of April 1, 2026
As Low As; Vehicle age: up to 2 years old; EFCU loans retail value plus premiums for options and mileage
Rates effective 10/16/2025; rate based on creditworthiness and term of loan
Financing amount: $30,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $30,000; Purchase of used car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
As Low As; Rates effective as of 9/25/2025
As Low As; Model Year: 2023-2027
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older; 76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20266.34%▲ from 6.14%
- Sep 22, 20266.14%first recorded
Rates effective 10/16/2025; rate based on creditworthiness and term of loan
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
As Low As; Model Year: 2020-2022
As Low As; Model Year: 2017-2019
Loans under $40,000
As Low As; Model Year: 2022; Loan amount: $20k+
- Oct 4, 20266.45%▲ from 5.95%
- Sep 14, 20265.95%first recorded
As Low As; Model Year: 2023; Loan amount: $20k+
- Oct 4, 20266.45%▲ from 5.95%
- Sep 14, 20265.95%first recorded
As Low As; Model Year: 2024; Loan amount: $20k+
- Oct 4, 20266.45%▲ from 5.95%
- Sep 14, 20265.95%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
As Low As; NEW Auto Loan Rates
APR range: 6.59% to 16.55%; Used - 2016-2022 Models
As Low As; Limited time offer; APR available for new and used vehicles dated 2024 or newer; maximum loan-to-value 100%; excellent credit required; example $10,000.00 loan at 6.76% for 60 months = $196.90/month including up to $185 origination fee
As Low As; Model Year: 2014-2016
As Low As; Model Year: 2021
- Oct 4, 20266.80%▲ from 6.30%
- Sep 14, 20266.30%first recorded
As Low As; USED Auto Loan Rates
As Low As; Model Year: 2021; Loan amount: $20k+
- Oct 4, 20267.05%▲ from 6.55%
- Sep 14, 20266.55%first recorded
Additional APR listed for this product: 7.45%, 8.10%. Rates include a combination of discounts up to max of 1.00%
As Low As; Model Year: 2011-2013
As Low As; Model Year: 2020 or Older
- Oct 4, 20267.30%▲ from 6.80%
- Sep 14, 20266.80%first recorded
As Low As; Model Year: 2020 or Older; Loan amount: $20k+
- Oct 4, 20267.55%▲ from 7.05%
- Sep 14, 20267.05%first recorded
As Low As; Rate(APR) range: 7.571% - 18.000% APR; Term of 84 months only available for vehicles up to 2 years old and loan amounts of at least $35,000; Rates as of 10/1/26 and subject to change
As Low As; Rates effective as of 9/25/2025
As Low As; Age: Used: 3 to 5 years old; Rates current as of April 1, 2026
As Low As; Vehicle age: 3 - 5 years old; EFCU loans retail value plus premiums for options and mileage
As Low As; Model Year: 2010-Older
As Low As; Age: Used: 6 to 7 years old; Rates current as of April 1, 2026
As Low As; Vehicle age: 6 - 7 years old; EFCU loans retail value plus premiums for options and mileage
As Low As; Rate(APR) range: 8.572% - 18.00% APR; Rates as of 10/1/26 and subject to change
As Low As; Age: Used: 8 years and older or antique/classic vehicles; Rates current as of April 1, 2026
As Low As; Vehicle age: 8 years and older; EFCU loans based on wholesale value for vehicles older than 7 model years
Elm Springs New Auto Auto Loan Rates
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
As Low As; Model Year: 2025-2026; Low As Rate is based on a 3 year term; Terms may be based on credit score, model year and mileage; APR range shown as as low as 3.49%
- Oct 19, 20263.49%▼ from 3.74%
- Sep 14, 20263.74%first recorded
As Low As; Rate based on term selected; Collateral: 2025 or newer; Turnaround: 1 hour; Mileage: 10,000 or less; Terms: up to 84 month terms
As Low As; NEW Auto Loan Rates
APR range: 3.99% - 18.00%
Published APR range: 4.24% - 18.00%. Risk based: APR within range based on creditworthiness
Published APR range: 4.49% - 18.00%. Risk based: APR within range based on creditworthiness
As Low As; NEW Auto Loan Rates
Published APR range: 4.74% - 18.00%. Risk based: APR within range based on creditworthiness
As Low As; New vehicles are defined as not previously titled or within the first 6 months of the original purchase
- Oct 23, 20264.79%▲ from 4.69%
- Oct 13, 20264.69%first recorded
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
- Oct 2, 20264.85%▲ from 3.80%
- Sep 17, 20263.80%first recorded
As Low As; Model Year: 2026
As Low As; Annual Percentage Rate (APR) column
- Oct 23, 20264.99%▲ from 3.88%
- Oct 9, 20263.88%first recorded
As Low As; Model Year: 2025-2027
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $898
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
- Oct 2, 20265.00%▲ from 4.05%
- Sep 17, 20264.05%first recorded
As Low As; New vehicles are defined as not previously titled or within the first 6 months of the original purchase
- Oct 23, 20265.04%▲ from 4.94%
- Oct 13, 20264.94%first recorded
With approved credit; Auto rates can be reduced by .25% per year down to a minimum of 48 months
- Oct 23, 20265.05%▲ from 4.95%
- Sep 14, 20264.95%first recorded
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $693
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Vehicle Model Years: 2020 or Newer; Effective Date: October 02, 2026
- Oct 4, 20265.25%▼ from 5.50%
- Oct 2, 20265.50%▲ from 4.55%
- Sep 17, 20264.55%first recorded
As Low As; New vehicles are defined as not previously titled or within the first 6 months of the original purchase
- Oct 23, 20265.29%▲ from 5.19%
- Oct 13, 20265.19%first recorded
Model Year: 2025-Newer; Interest rate and term determined by credit qualifications
As Low As; Model Year: 2025-2027
Rates effective 10/16/2025; rate based on creditworthiness and term of loan
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $572
Published APR range: 5.49% - 18.00%. Risk based: APR within range based on creditworthiness
As Low As; NEW Auto Loan Rates
APR range: 5.54% to 13.99%; New - 2023 Models and newer; Used - 2016-2022 Models
As Low As; New vehicles are defined as not previously titled or within the first 6 months of the original purchase
- Oct 23, 20265.54%▲ from 5.44%
- Oct 13, 20265.44%first recorded
84 months only for current or upcoming vehicle models exceeding $35,000.00 for A+, A and B grade credit; With approved credit
- Oct 23, 20265.59%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2026
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $492
Rates effective 10/16/2025; rate based on creditworthiness and term of loan
As Low As; Model Year: 2025-2027
As Low As; Model Year: 2026; Loan amount: $20k+
APR range: 5.89% to 15.24%; New - 2023 Models and newer; Used - 2016-2022 Models
Additional APR listed for this product: 6.20%, 6.85%, 7.05%.
As Low As; Model Year: 2026; Loan amount: $40k+
As Low As; Loans under $40,000
As Low As; Vehicle Model Years: 2022 or Newer; Effective Date: October 02, 2026
- Oct 2, 20266.00%▲ from 5.05%
- Sep 17, 20265.05%first recorded
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $440
Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Rates effective 10/16/2025; rate based on creditworthiness and term of loan
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
Rates effective 10/16/2025; rate based on creditworthiness and term of loan
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
As Low As; NEW Auto Loan Rates
As Low As; Rate(APR) range: 7.571% - 18.000% APR; Term of 84 months only available for vehicles up to 2 years old and loan amounts of at least $35,000; Rates as of 10/1/26 and subject to change
Elm Springs Used Auto Auto Loan Rates
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
APR range: 3.99% - 18.00%
As Low As; Rate based on term selected; Collateral: 2019 or newer; Turnaround: 1 hour; Mileage: 100,000 or less; Terms: 24 to 60 months
As Low As; Model Year: 2024 and Older; Low As Rate is based on a 5 year term; Terms may be based on credit score, model year and mileage
Published APR range: 4.24% - 18.00%. Risk based: APR within range based on creditworthiness
Published APR range: 4.49% - 18.00%. Risk based: APR within range based on creditworthiness
As Low As; USED Auto Loan Rates
Published APR range: 4.74% - 18.00%. Risk based: APR within range based on creditworthiness
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
- Oct 2, 20264.85%▲ from 3.80%
- Sep 17, 20263.80%first recorded
As Low As; Annual Percentage Rate (APR) column
- Oct 23, 20264.99%▲ from 3.88%
- Oct 9, 20263.88%first recorded
As Low As; USED Auto Loan Rates
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $898
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
- Oct 2, 20265.00%▲ from 4.05%
- Sep 17, 20264.05%first recorded
With approved credit; Auto rates can be reduced by .25% per year down to a minimum of 48 months
- Oct 23, 20265.05%▲ from 4.95%
- Sep 14, 20264.95%first recorded
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $693
As Low As; Vehicle Model Years: 2020 or Newer; Effective Date: October 02, 2026
- Oct 4, 20265.25%▼ from 5.50%
- Oct 2, 20265.50%▲ from 4.55%
- Sep 17, 20264.55%first recorded
As Low As; Model years 2023-2027; Used vehicles are defined as being previously registered
- Oct 23, 20265.29%▲ from 5.19%
- Oct 9, 20265.19%first recorded
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $572
As Low As; Model Year: 2023-2027
Published APR range: 5.49% - 18.00%. Risk based: APR within range based on creditworthiness
APR range: 5.54% to 13.99%; New - 2023 Models and newer; Used - 2016-2022 Models
As Low As; Model years 2023-2027; Used vehicles are defined as being previously registered
- Oct 23, 20265.54%▲ from 5.44%
- Oct 9, 20265.44%first recorded
84 months only for current or upcoming vehicle models exceeding $35,000.00 for A+, A and B grade credit; With approved credit
- Oct 23, 20265.59%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $492
As Low As; Model years 2023-2027; Used vehicles are defined as being previously registered
- Oct 23, 20265.79%▲ from 5.69%
- Oct 9, 20265.69%first recorded
APR range: 5.89% to 15.24%; New - 2023 Models and newer; Used - 2016-2022 Models
As Low As; Model Year: 2023-2027
Additional APR listed for this product: 6.20%, 6.85%, 7.05%.
As Low As; USED Auto Loan Rates
As Low As; Model Year: 2020-2022
As Low As; Vehicle Model Years: 2022 or Newer; Effective Date: October 02, 2026
- Oct 2, 20266.00%▲ from 5.05%
- Sep 17, 20265.05%first recorded
As Low As; Model years 2023-2027; Used vehicles are defined as being previously registered
- Oct 23, 20266.04%▲ from 5.94%
- Oct 9, 20265.94%first recorded
As Low As; Loan Amount: $30,000; Approx. Loan Payment: $440
Financing amount: $30,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $30,000; Purchase of used car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
As Low As; Model Year: 2023-2027
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
As Low As; Model Year: 2020-2022
As Low As; Model Year: 2017-2019
Loans under $40,000
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
APR range: 6.59% to 16.55%; Used - 2016-2022 Models
As Low As; Model Year: 2014-2016
As Low As; USED Auto Loan Rates
As Low As; Model Year: 2011-2013
As Low As; Model Year: 2010-Older
As Low As; Rate(APR) range: 8.572% - 18.00% APR; Rates as of 10/1/26 and subject to change
Elm Springs, AR Auto Loan Rate Trends
Compare local Elm Springs, 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 rose 0.022 points over the past 7 days to 5.320% APR.
Arkansas used auto rates rose 0.085 points over the past 7 days to 5.551% APR.
Elm Springs, AR Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Arkansas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Arkansas APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.32% APR AR average | Used Auto @ 5.55% APR AR average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.27/mo | $286.87/mo | $1.60/mo |
| $25,000 | $475.45/mo | $478.12/mo | $2.67/mo |
| $35,000 | $665.63/mo | $669.37/mo | $3.74/mo |
| $45,000 | $855.81/mo | $860.62/mo | $4.81/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Elm Springs, Arkansas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Elm Springs, Arkansas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Arkansas. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Elm Springs, Arkansas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Elm Springs, Arkansas CD rates lock in a guaranteed return until you’re ready to buy
Elm Springs, Arkansas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $571 monthly car payment works out to roughly 16.6% of the median individual income in Elm Springs, Arkansas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Elm Springs, Arkansas, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Elm Springs, Arkansas. We’ve prefilled the APR with today’s AR new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Elm Springs, 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 Elm Springs, 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 Elm Springs, 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.
Bad Credit Auto Loans in Elm Springs, Arkansas
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Elm Springs, 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?
Should I get preapproved for an auto loan before visiting a dealer in Elm Springs, Arkansas?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Elm Springs, Arkansas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Elm Springs, Arkansas?
- United Federal Credit Union: 2.99% (Fixed Rate New & Used Auto Loans)
- Multi-States Credit Union: 3.49% (New Vehicles Loan)
- Riverland Federal Credit Union: 3.50% (Auto Loans - Cars, Trucks, & SUVs)
- Telcoe Federal Credit Union: 3.74% (New Auto Loan)
- Baxter Credit Union: 3.84% (Auto Loan)
Elm Springs, Arkansas Rates & Resources
