Auto Loan Rates in Texarkana, Arkansas (AR) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Texarkana, Arkansas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Texarkana, Arkansas include Domino Federal Credit UnionDomino Federal Credit Union4437 Jefferson Ave, Texarkana, AR, 71854A+5.0 ★Texas Ratio: 0.52% offering New and Used Autos at 3.95%, MilWay Federal Credit UnionMilWay Federal Credit Union2000 Arkansas Blvd, Texarkana, AR, 71854 1616A+5.0 ★Texas Ratio: 0.02% offering New/Used Vehicles (2026-older) at 4.79%, Arkansas AM&N College Federal Credit UnionArkansas AM&N College Federal Credit UnionA+5.0 ★Texas Ratio: 3.89% offering New Auto Loan at 1.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Orion Federal Credit UnionOrion Federal Credit UnionA+5.0 ★Texas Ratio: 2.42% offering Auto Loans at 3.45%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Texarkana has 2 local institutions in our database, with auto loan rates as low as 3.95% APR from Domino Federal Credit Union at 4437 Jefferson Ave, Texarkana, AR, 71854. 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 Texarkana, Arkansas. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Texarkana, Arkansas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 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
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 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
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 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
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 7, 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
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 7, 2026
Details
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Auto Loan
1.99%
72 Months
▼
APR1.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% of MSRP Rate depends on credit rating
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Auto Loans
3.45%
Max. 84 Months
▼
APR3.45%
TermMax. 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
Auto Loans
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
As Low As; Cars, Trucks, & SUVs
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New Auto
3.74%
up to 84 month terms
▼
APR3.74%
Termup to 84 month terms
Last UpdatedMay 7, 2026
Details
As Low As; Rates based on term selected.
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 10, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New and Used Vehicles
3.99%
24 - 75
▼
APR3.99%
Term24 - 75
Last UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Used Auto
4.24%
24 to 60 months
▼
APR4.24%
Term24 to 60 months
Last UpdatedMay 7, 2026
Details
As Low As; Rates based on term selected.
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 12, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 12, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
4.87%
36 Months
▼
APR4.87%
Term36 Months
Last UpdatedMay 6, 2026
Details
Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan 2022-2025
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 or Newer
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.12%
60 Months
▼
APR5.12%
Term60 Months
Last UpdatedMay 6, 2026
Details
Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski
UP Arkansas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
AUTO LOAN (2010-2026)
5.22%
Up to 84
▼
APR5.22%
TermUp to 84
Last UpdatedMay 7, 2026
Details
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2021-2025
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.62%
72 Months
▼
APR5.62%
Term72 Months
Last UpdatedMay 6, 2026
Details
Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2018-2020
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
6.39%
66 Months
▼
APR6.39%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2016-2017
6.39%
60 Months
▼
APR6.39%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
6.62%
84 Months
▼
APR6.62%
Term84 Months
Last UpdatedMay 6, 2026
Details
Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2014-2015
6.79%
54 Months
▼
APR6.79%
Term54 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2011-2013
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMay 10, 2026
Details
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2010-Older
7.79%
42 Months
▼
APR7.79%
Term42 Months
Last UpdatedMay 7, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMay 10, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 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
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 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
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 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
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 7, 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
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 7, 2026
Details
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Auto Loan
1.99%
72 Months
▼
APR1.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% of MSRP Rate depends on credit rating
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New Auto
3.74%
up to 84 month terms
▼
APR3.74%
Termup to 84 month terms
Last UpdatedMay 7, 2026
Details
As Low As; Rates based on term selected.
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 10, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New and Used Vehicles
3.99%
24 - 75
▼
APR3.99%
Term24 - 75
Last UpdatedMay 7, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 12, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 12, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
4.87%
36 Months
▼
APR4.87%
Term36 Months
Last UpdatedMay 6, 2026
Details
Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan 2022-2025
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 or Newer
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.12%
60 Months
▼
APR5.12%
Term60 Months
Last UpdatedMay 6, 2026
Details
Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
5.62%
72 Months
▼
APR5.62%
Term72 Months
Last UpdatedMay 6, 2026
Details
Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Auto Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
New Vehicle
6.62%
84 Months
▼
APR6.62%
Term84 Months
Last UpdatedMay 6, 2026
Details
Includes: New, Demo and Program Automobile, Truck, Van, Boat, Recreational Vehicle, Motor Home, Camper, ATV, Motorcycle, and Jet Ski
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMay 10, 2026
Details
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MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 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
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 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
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 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
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 7, 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
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 7, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New and Used Vehicles
3.99%
24 - 75
▼
APR3.99%
Term24 - 75
Last UpdatedMay 7, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Used Auto
4.24%
24 to 60 months
▼
APR4.24%
Term24 to 60 months
Last UpdatedMay 7, 2026
Details
As Low As; Rates based on term selected.
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 12, 2026
Details
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 12, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 or Newer
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2021-2025
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New and Used Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2018-2020
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan
6.39%
66 Months
▼
APR6.39%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2016-2017
6.39%
60 Months
▼
APR6.39%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2014-2015
6.79%
54 Months
▼
APR6.79%
Term54 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2011-2013
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
White County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Auto Loan 2010-Older
7.79%
42 Months
▼
APR7.79%
Term42 Months
Last UpdatedMay 7, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMay 10, 2026
Details
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MonitorBankRates
Texarkana, AR Auto Loan Rate Trends
Compare local Texarkana, 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.
New Auto Loan — AR Avg
5.087%
▲ 0.108 vs 7 days ago
Arkansas new auto rates rose 0.108 points over the past 7 days to 5.087% APR.
Used Auto Loan — AR Avg
5.544%
▲ 0.468 vs 7 days ago
Arkansas used auto rates rose 0.468 points over the past 7 days to 5.544% APR.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Texarkana, 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 Texarkana, 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 Texarkana, 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 Texarkana, Arkansas?
Based on our current data, some of the lowest auto loan rates available in Texarkana, Arkansas include:
- Domino Federal Credit Union: 3.95% (New and Used Autos)
- MilWay Federal Credit Union: 4.79% (New/Used Vehicles (2026-older))
- Arkansas AM&N College Federal Credit Union: 1.99% (New Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
- Orion Federal Credit Union: 3.45% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Texarkana, Arkansas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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