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

Content reviewed by
Brian McKay Brian McKay
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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: March 23, 2026

Current auto loan rates in Fort Smith, Arkansas include Mercy Credit UnionMercy Credit Union7301 Rogers Ave, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 1.69% offering New Vehicles 2025-2026 at 3.74%, United Federal Credit UnionUnited Federal Credit Union8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628A+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.95%, Arkansas Best Federal Credit UnionArkansas Best Federal Credit Union3501 Old Greenwood Rd, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 1.31% offering New and Used Autos at 4.24%, Arkansas AM&N College Federal Credit UnionArkansas AM&N College Federal Credit Union2020 W Reeker Ave, Pine Bluff, AR, 71601A+5.0 ★Texas Ratio: 3.89% offering New Auto Loan at 1.99%, Baxter Credit UnionBaxter Credit Union1900 Highway 201 N, Mountain Home, AR, 72653A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%.

Auto loan rates in Fort Smith, Arkansas are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.

We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Fort Smith, Arkansas. Auto Loan Rates Last Updated and Verified: March 23, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
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 UpdatedMar 4, 2026
Details

*APR is the Annual Percentage Rate.

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
View
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.45%
Up to 36 Months
View
▼
APR4.45%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
7301 Rogers Ave, Fort Smith, AR, 72903
Used Vehicles 2023 and Older
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMar 4, 2026
Details

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.60%
Up to 36 Months
View
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.80%
48 Months
View
▼
APR4.80%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.00%
Up to 48 Months
View
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.10%
Up to 72 Months
View
▼
APR5.10%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.40%
Up to 72 Months
View
▼
APR5.40%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.70%
Up to 84 Months
View
▼
APR5.70%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.80%
84 Months
View
▼
APR5.80%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
6.00%
Up to 84 Months
View
▼
APR6.00%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR, 71601
New Auto Loan
1.99%
72 Months
View
▼
APR1.99%
Term72 Months
Last UpdatedMar 17, 2026
Details

90% of MSRP Rate depends on credit rating

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2026 & Newer

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
1448 AR 333, Russellville, AR, 72802
Auto Loans
3.50%
Up to 36 months
View
▼
APR3.50%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details

As Low As; Cars, Trucks, & SUVs

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
View
▼
APR3.74%
Termup to 84 month terms
Last UpdatedMar 21, 2026
Details

As Low As; Rates based on term selected.

Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR, 72015 3528
New/Used Autos (under 7yrs. old)
3.88%
7Yrs
View
▼
APR3.88%
Term7Yrs
Last UpdatedMar 20, 2026
Details

As Low As

Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR, 72201 1903
Auto Loans
3.95%
Max. 84 Months
View
▼
APR3.95%
TermMax. 84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2026 & Newer

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR, 72201 4692
Vehicle Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedMar 21, 2026
Details

As Low As

Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1125 Military Rd, Benton, AR, 72015
Auto Loans
4.20%
48 Months
View
▼
APR4.20%
Term48 Months
Last UpdatedMar 17, 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
Used Auto
4.24%
24 to 60 months
View
▼
APR4.24%
Term24 to 60 months
Last UpdatedMar 21, 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
4.25%
36 - 75
View
▼
APR4.25%
Term36 - 75
Last UpdatedMar 22, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedMar 23, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2023 - 2025*

Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1125 Military Rd, Benton, AR, 72015
Auto Loans
4.70%
60 Months
View
▼
APR4.70%
Term60 Months
Last UpdatedMar 17, 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
Vehicle Loan
4.76%
48 months
View
▼
APR4.76%
Term48 months
Last UpdatedMar 21, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR, 71854 1616
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
View
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMar 20, 2026
Details

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
340 Cash Rd SW, Camden, AR, 71701 3705
New Vehicle
4.87%
36 Months
View
▼
APR4.87%
Term36 Months
Last UpdatedMar 20, 2026
Details

UP Arkansas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
1501 Pike Ave, North Little Rock, AR, 72114 3267
AUTO LOAN (2010-2026)
4.90%
84 Months
View
▼
APR4.90%
Term84 Months
Last UpdatedMar 22, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
New and Used Autos
4.95%
72 Months
View
▼
APR4.95%
Term72 Months
Last UpdatedMar 13, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
New Auto Loan 2022-2025
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2023 - 2025*

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR, 71854 1616
New/Used Vehicles (2026- 2019)
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 20, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR, 72201 4692
Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 21, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 23, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 23, 2026
Details

As Low As

Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1125 Military Rd, Benton, AR, 72015
Auto Loans
5.10%
72 Months
View
▼
APR5.10%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
340 Cash Rd SW, Camden, AR, 71701 3705
New Vehicle
5.12%
60 Months
View
▼
APR5.12%
Term60 Months
Last UpdatedMar 20, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
New Auto Loan
5.29%
36 Months
View
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
Used Auto Loan
5.29%
36 Months
View
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR, 72201 4692
Vehicle Loan
5.34%
60 months
View
▼
APR5.34%
Term60 months
Last UpdatedMar 21, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
New Auto Loan
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
New Auto Loan
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
Used Auto Loan
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
New Vehicles
5.40%
0-36
View
▼
APR5.40%
Term0-36
Last UpdatedMar 22, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
New Auto Loan
5.44%
60 Months
View
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
Used Auto Loan
5.44%
60 Months
View
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 13, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2021-2025
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
New Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
Used Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR, 71854 1616
New/Used Vehicles (2022 - 2024)
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 20, 2026
Details

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR, 72039
New & Newer Used Auto Loan
5.54%
Up to 48 Months
View
▼
APR5.54%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details

**

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR, 72201 4692
Vehicle Loan
5.60%
72 months
View
▼
APR5.60%
Term72 months
Last UpdatedMar 21, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
340 Cash Rd SW, Camden, AR, 71701 3705
New Vehicle
5.62%
72 Months
View
▼
APR5.62%
Term72 Months
Last UpdatedMar 20, 2026
Details

Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1125 Military Rd, Benton, AR, 72015
Auto Loans
5.70%
84 Months
View
▼
APR5.70%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
New Vehicles
5.70%
37-48
View
▼
APR5.70%
Term37-48
Last UpdatedMar 22, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
New Auto Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan
5.89%
72 Months
View
▼
APR5.89%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR, 72039
New & Newer Used Auto Loan
5.89%
49 to 78 Months
View
▼
APR5.89%
Term49 to 78 Months
Last UpdatedMar 18, 2026
Details

**

Carter Federal Credit Union
Institution Rating:
D3.6 ★ Texas Ratio: 31.89%
45 Highway 79 Byp N, Magnolia, AR, 71753 3244
Auto Loan
5.89%
36 Months
View
▼
APR5.89%
Term36 Months
Last UpdatedMar 18, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
5.90%
5Yrs
View
▼
APR5.90%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2018-2020
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2023 - 2025*

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
NEW Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 23, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
USED Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMar 23, 2026
Details

As Low As

Carter Federal Credit Union
Institution Rating:
D3.6 ★ Texas Ratio: 31.89%
45 Highway 79 Byp N, Magnolia, AR, 71753 3244
Auto Loan
6.09%
60 Months
View
▼
APR6.09%
Term60 Months
Last UpdatedMar 18, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
6.20%
5Yrs
View
▼
APR6.20%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
New Vehicles
6.25%
49-72
View
▼
APR6.25%
Term49-72
Last UpdatedMar 22, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Carter Federal Credit Union
Institution Rating:
D3.6 ★ Texas Ratio: 31.89%
45 Highway 79 Byp N, Magnolia, AR, 71753 3244
Auto Loan
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
New Vehicles
6.35%
73-84
View
▼
APR6.35%
Term73-84
Last UpdatedMar 22, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan
6.39%
66 Months
View
▼
APR6.39%
Term66 Months
Last UpdatedMar 17, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2016-2017
6.39%
60 Months
View
▼
APR6.39%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR, 72039
Used Auto Loan
6.59%
Up to 72 Months
View
▼
APR6.59%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details

***

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
340 Cash Rd SW, Camden, AR, 71701 3705
New Vehicle
6.62%
84 Months
View
▼
APR6.62%
Term84 Months
Last UpdatedMar 20, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2014-2015
6.79%
54 Months
View
▼
APR6.79%
Term54 Months
Last UpdatedMar 17, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
6.85%
5Yrs
View
▼
APR6.85%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
NEW Auto Loan
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMar 23, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
USED Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMar 23, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
7.05%
5Yrs
View
▼
APR7.05%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Older Vehicles (6yrs. and Older)
7.15%
6Yrs
View
▼
APR7.15%
Term6Yrs
Last UpdatedMar 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
USED Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMar 23, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2011-2013
7.29%
48 Months
View
▼
APR7.29%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Older Vehicles (6yrs. and Older)
7.45%
6Yrs
View
▼
APR7.45%
Term6Yrs
Last UpdatedMar 22, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedMar 20, 2026
Details

Carter Federal Credit Union
Institution Rating:
D3.6 ★ Texas Ratio: 31.89%
45 Highway 79 Byp N, Magnolia, AR, 71753 3244
Auto Loan
7.69%
84 Months
View
▼
APR7.69%
Term84 Months
Last UpdatedMar 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2010-Older
7.79%
42 Months
View
▼
APR7.79%
Term42 Months
Last UpdatedMar 17, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Older Vehicles (6yrs. and Older)
8.10%
6Yrs
View
▼
APR8.10%
Term6Yrs
Last UpdatedMar 22, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedMar 20, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedMar 22, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
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 UpdatedMar 4, 2026
Details

*APR is the Annual Percentage Rate.

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
View
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.45%
Up to 36 Months
View
▼
APR4.45%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.60%
Up to 36 Months
View
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.80%
48 Months
View
▼
APR4.80%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.00%
Up to 48 Months
View
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.10%
Up to 72 Months
View
▼
APR5.10%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.40%
Up to 72 Months
View
▼
APR5.40%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.70%
Up to 84 Months
View
▼
APR5.70%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.80%
84 Months
View
▼
APR5.80%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
6.00%
Up to 84 Months
View
▼
APR6.00%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR, 71601
New Auto Loan
1.99%
72 Months
View
▼
APR1.99%
Term72 Months
Last UpdatedMar 17, 2026
Details

90% of MSRP Rate depends on credit rating

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
View
▼
APR3.74%
Termup to 84 month terms
Last UpdatedMar 21, 2026
Details

As Low As; Rates based on term selected.

Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR, 72015 3528
New/Used Autos (under 7yrs. old)
3.88%
7Yrs
View
▼
APR3.88%
Term7Yrs
Last UpdatedMar 20, 2026
Details

As Low As

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
4.25%
36 - 75
View
▼
APR4.25%
Term36 - 75
Last UpdatedMar 22, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedMar 23, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR, 71854 1616
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
View
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMar 20, 2026
Details

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
340 Cash Rd SW, Camden, AR, 71701 3705
New Vehicle
4.87%
36 Months
View
▼
APR4.87%
Term36 Months
Last UpdatedMar 20, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
New and Used Autos
4.95%
72 Months
View
▼
APR4.95%
Term72 Months
Last UpdatedMar 13, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
New Auto Loan 2022-2025
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR, 71854 1616
New/Used Vehicles (2026- 2019)
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 20, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 23, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
340 Cash Rd SW, Camden, AR, 71701 3705
New Vehicle
5.12%
60 Months
View
▼
APR5.12%
Term60 Months
Last UpdatedMar 20, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
New Auto Loan
5.29%
36 Months
View
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
New Auto Loan
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
New Auto Loan
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
New Vehicles
5.40%
0-36
View
▼
APR5.40%
Term0-36
Last UpdatedMar 22, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
New Auto Loan
5.44%
60 Months
View
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details

As Low As

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 13, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
New Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR, 71854 1616
New/Used Vehicles (2022 - 2024)
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 20, 2026
Details

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR, 72039
New & Newer Used Auto Loan
5.54%
Up to 48 Months
View
▼
APR5.54%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details

**

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
340 Cash Rd SW, Camden, AR, 71701 3705
New Vehicle
5.62%
72 Months
View
▼
APR5.62%
Term72 Months
Last UpdatedMar 20, 2026
Details

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
New Vehicles
5.70%
37-48
View
▼
APR5.70%
Term37-48
Last UpdatedMar 22, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
New Auto Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR, 72039
New & Newer Used Auto Loan
5.89%
49 to 78 Months
View
▼
APR5.89%
Term49 to 78 Months
Last UpdatedMar 18, 2026
Details

**

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
5.90%
5Yrs
View
▼
APR5.90%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
NEW Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 23, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
6.20%
5Yrs
View
▼
APR6.20%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
New Vehicles
6.25%
49-72
View
▼
APR6.25%
Term49-72
Last UpdatedMar 22, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
New Vehicles
6.35%
73-84
View
▼
APR6.35%
Term73-84
Last UpdatedMar 22, 2026
Details

As Low As

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
340 Cash Rd SW, Camden, AR, 71701 3705
New Vehicle
6.62%
84 Months
View
▼
APR6.62%
Term84 Months
Last UpdatedMar 20, 2026
Details

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
6.85%
5Yrs
View
▼
APR6.85%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
NEW Auto Loan
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMar 23, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
7.05%
5Yrs
View
▼
APR7.05%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedMar 20, 2026
Details

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: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
View
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.45%
Up to 36 Months
View
▼
APR4.45%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
7301 Rogers Ave, Fort Smith, AR, 72903
Used Vehicles 2023 and Older
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMar 4, 2026
Details

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.60%
Up to 36 Months
View
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.80%
48 Months
View
▼
APR4.80%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.00%
Up to 48 Months
View
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.10%
Up to 72 Months
View
▼
APR5.10%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.40%
Up to 72 Months
View
▼
APR5.40%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.70%
Up to 84 Months
View
▼
APR5.70%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
5.80%
84 Months
View
▼
APR5.80%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR, 72908 8628
Fixed Rate New & Used Auto Loans
6.00%
Up to 84 Months
View
▼
APR6.00%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR, 72015 3528
New/Used Autos (under 7yrs. old)
3.88%
7Yrs
View
▼
APR3.88%
Term7Yrs
Last UpdatedMar 20, 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
Used Auto
4.24%
24 to 60 months
View
▼
APR4.24%
Term24 to 60 months
Last UpdatedMar 21, 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
4.25%
36 - 75
View
▼
APR4.25%
Term36 - 75
Last UpdatedMar 22, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR, 71854 1616
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
View
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMar 20, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
New and Used Autos
4.95%
72 Months
View
▼
APR4.95%
Term72 Months
Last UpdatedMar 13, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR, 71854 1616
New/Used Vehicles (2026- 2019)
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 20, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 23, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
Used Auto Loan
5.29%
36 Months
View
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
Used Auto Loan
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
Used Auto Loan
5.44%
60 Months
View
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 13, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2021-2025
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3500 N College Ave, Fayetteville, AR, 72703
Used Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR, 71854 1616
New/Used Vehicles (2022 - 2024)
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 20, 2026
Details

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR, 72039
New & Newer Used Auto Loan
5.54%
Up to 48 Months
View
▼
APR5.54%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details

**

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan
5.89%
72 Months
View
▼
APR5.89%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR, 72039
New & Newer Used Auto Loan
5.89%
49 to 78 Months
View
▼
APR5.89%
Term49 to 78 Months
Last UpdatedMar 18, 2026
Details

**

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
5.90%
5Yrs
View
▼
APR5.90%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2018-2020
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
USED Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMar 23, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
6.20%
5Yrs
View
▼
APR6.20%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan
6.39%
66 Months
View
▼
APR6.39%
Term66 Months
Last UpdatedMar 17, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2016-2017
6.39%
60 Months
View
▼
APR6.39%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR, 72039
Used Auto Loan
6.59%
Up to 72 Months
View
▼
APR6.59%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details

***

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2014-2015
6.79%
54 Months
View
▼
APR6.79%
Term54 Months
Last UpdatedMar 17, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
6.85%
5Yrs
View
▼
APR6.85%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
USED Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMar 23, 2026
Details

As Low As

UARK Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Used Vehicles (5yrs. and Newer)
7.05%
5Yrs
View
▼
APR7.05%
Term5Yrs
Last UpdatedMar 22, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
USED Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMar 23, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2011-2013
7.29%
48 Months
View
▼
APR7.29%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Auto Loan 2010-Older
7.79%
42 Months
View
▼
APR7.79%
Term42 Months
Last UpdatedMar 17, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedMar 20, 2026
Details

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:
  • Mercy Credit Union: 3.74% (New Vehicles 2025-2026)
  • United Federal Credit Union: 3.95% (Fixed Rate New & Used Auto Loans)
  • 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: March 23, 2026

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