Gravette, Arkansas Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
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Current auto loan rates in Gravette, Arkansas include United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.13% offering Fixed Rate New & Used Auto Loans - Up to 36 Months at 2.99%, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 4.06% offering Auto Loans at 3.50%, Barksdale Federal Credit UnionBarksdale Federal Credit UnionA5.0 ★Texas Ratio: 9.43% offering 2019 & Newer Auto Loan at 3.69%, Telcoe Federal Credit UnionTelcoe Federal Credit UnionA+5.0 ★Texas Ratio: 0.38% offering New Auto at 3.74%, Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.66% offering New Vehicles 2025-2026 Loan at 3.74%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Gravette borrowers have access to 22 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 — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Gravette, Arkansas. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Gravette, Arkansas & Surrounding Area
Gravette Auto Loan Rates
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Cars, Trucks, & SUVs
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As; Rates based on term selected.
As Low As
As Low As; Limited time offer.
As Low As
As Low As; Starting at
As Low As; Limited time offer.
2026 & Newer
As low as
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As; Rates based on term selected.
As Low As
Rates as low as
As Low As; **APR is the Annual Percentage Rate.
Cars, Trucks, & SUVs
As Low As
As low as; Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details.
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
As Low As
As low as; Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details.
As Low As
Rates as low as
Rates as low as
As Low As; 2022-2025
New vehicles are vehicles that have not previously been sold or titled.
As Low As
2023 - 2025*
As low as
As low as
As low as; Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details.
As Low As
As Low As
As Low As
As Low As; 2022-2025
As low as; Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details.
As Low As
As Low As
As Low As
As Low As; 2021-2025
Cars, Trucks, & SUVs
As low as
2016 - 2026
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As low as
2018 - 2026
As Low As
As Low As
As low as
2022 - 2026
Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
As low as
2023 - 2026
As Low As; 2022-2025
Example on a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99. Used - 2016 - 2022 Models
As Low As; 2021-2025
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
As Low As
As Low As
As Low As
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Rates as low as
Rates as low as
As Low As; 2018-2020
2023 - 2025*
As low as
Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
As Low As; 2021-2025
As Low As
As Low As; 2018-2020
As Low As
As Low As; 2014-2015
Rates as low as
Rates as low as
Rates as low as
As Low As; 2011-2013
Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
As Low As; 2010-Older
Rates are based on Member's individual credit quality and subject to change without notice. For vehicles 7 years and older, we lend based on wholesale values. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
Rates are based on Member's individual credit quality and subject to change without notice. For vehicles 8 years and older or antique/classic vehicles, we lend based on wholesale values. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
As Low As; Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Gravette New Auto Auto Loan Rates
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As; Rates based on term selected.
As Low As
As low as
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Rates as low as
As low as; Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details.
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
As low as; Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details.
Rates as low as
As Low As; 2022-2025
New vehicles are vehicles that have not previously been sold or titled.
As low as
As low as; Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details.
As Low As; 2022-2025
As low as; Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details.
As low as
As low as
As low as
Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
As low as
As Low As; 2022-2025
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
Rates as low as
Rates as low as
Gravette Used Auto Auto Loan Rates
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As; Rates based on term selected.
As Low As; **APR is the Annual Percentage Rate.
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Rates as low as
New vehicles are vehicles that have not previously been sold or titled.
As Low As
As Low As
As Low As
As Low As
As Low As; 2021-2025
2016 - 2026
2018 - 2026
As Low As
As Low As
2022 - 2026
2023 - 2026
As Low As; 2021-2025
As Low As
As Low As
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Rates as low as
As Low As; 2018-2020
Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
As Low As; 2021-2025
As Low As; 2018-2020
As Low As; 2014-2015
Rates as low as
Rates as low as
As Low As; 2011-2013
Rates are based on Member's individual credit quality and subject to change without notice. For used vehicles, we lend based on the retail value plus options and mileage. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
As Low As; 2010-Older
Rates are based on Member's individual credit quality and subject to change without notice. For vehicles 7 years and older, we lend based on wholesale values. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
Rates are based on Member's individual credit quality and subject to change without notice. For vehicles 8 years and older or antique/classic vehicles, we lend based on wholesale values. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Rates as low as
Gravette, AR Auto Loan Rate Trends
Compare local Gravette, 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 0.107 points over the past 7 days to 5.450% APR.
Arkansas used auto rates rose 0.009 points over the past 7 days to 5.790% APR.
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 @ 5.45% APR AR average | Used Auto @ 5.79% APR AR average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.17/mo | $288.53/mo | $2.35/mo |
| $25,000 | $476.96/mo | $480.88/mo | $3.92/mo |
| $35,000 | $667.74/mo | $673.23/mo | $5.49/mo |
| $45,000 | $858.52/mo | $865.58/mo | $7.06/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.
About Our Gravette, Arkansas Auto Loan Rate Database
Our Gravette, Arkansas auto loan tables currently track 22 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Gravette, Arkansas database right now is 2.99% APR from United Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Gravette, Arkansas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Gravette, 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 Gravette, 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 → Gravette, Arkansas CD rates lock in a guaranteed return until you’re ready to buy
Gravette, Arkansas Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 19.0% of the median individual income in Gravette, Arkansas. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Gravette, 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 1–3 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 (0–2.9% 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 Gravette, 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 Gravette, 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 Gravette, 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 Gravette, Arkansas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in AR.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Gravette, 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 Gravette, 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?
What are the best Auto Loan rates in Gravette, Arkansas?
- United Federal Credit Union: 2.99% (Fixed Rate New & Used Auto Loans - Up to 36 Months)
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- Barksdale Federal Credit Union: 3.69% (2019 & Newer Auto Loan)
- Telcoe Federal Credit Union: 3.74% (New Auto)
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026 Loan)
Gravette, Arkansas Rates & Resources
