Auto Loan Rates in West Memphis, Arkansas (AR) for March 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 West Memphis, Arkansas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in West Memphis, Arkansas include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS1114 N Missouri St, West Memphis, AR, 72301 2614A+5.0 ★Texas Ratio: 0.03% offering Vehicle Loans - New (Up to 2 Years Old) at 7.57%, 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%, Riverland Federal Credit UnionRiverland Federal Credit Union1448 AR 333, Russellville, AR, 72802A+5.0 ★Texas Ratio: 4.24% offering Auto Loans at 3.50%, 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%. Auto loan rates as of March 25, 2026 according to verified data from MonitorBankRates.
Auto loan rates in West Memphis, 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 West Memphis, Arkansas. Auto Loan Rates Last Updated and Verified: March 25, 2026
Compare Auto Loan Rates Today in West Memphis, Arkansas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
▼
APR7.57%
Term84 Months
Last UpdatedMar 20, 2026
Details
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
▼
APR8.57%
Term72 Months
Last UpdatedMar 20, 2026
Details
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
▼
APR1.99%
Term72 Months
Last UpdatedMar 24, 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
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 25, 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
▼
APR3.50%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As; Cars, Trucks, & SUVs
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
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMar 4, 2026
Details
*APR is the Annual Percentage Rate.
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
▼
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
▼
APR3.88%
Term7Yrs
Last UpdatedMar 20, 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
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
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
▼
APR3.99%
Term36 months
Last UpdatedMar 21, 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
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2026 & 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
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 24, 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
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 24, 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
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
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
▼
APR4.20%
Term48 Months
Last UpdatedMar 25, 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
▼
APR4.24%
Term24 to 60 months
Last UpdatedMar 21, 2026
Details
As Low As; Rates based on term selected.
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
▼
APR4.24%
Term36 Months
Last UpdatedMar 24, 2026
Details
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
▼
APR4.25%
Term36 - 75
Last UpdatedMar 22, 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
▼
APR4.30%
TermUp to 48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
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
▼
APR4.40%
Term36 Months
Last UpdatedMar 23, 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
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
First National Bank Texas
Institution Rating:
F1.0 ★ Texas Ratio: 63.89%
133 Arkansas Blvd, Texarkana, AR, 71854
Auto Loan
4.43%
66 Months
▼
APR4.43%
Term66 Months
Last UpdatedMar 24, 2026
Details
Offer excludes refinancing of existing First National Bank Texas, First Convenience Bank, and First Heroes National Bank loans.
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%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As; All Years**
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
▼
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
▼
APR4.49%
Term48 Months
Last UpdatedMar 24, 2026
Details
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
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2023 - 2025*
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%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 24, 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%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 24, 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
4.70%
60 Months
▼
APR4.70%
Term60 Months
Last UpdatedMar 25, 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
▼
APR4.74%
Term72 Months
Last UpdatedMar 24, 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
4.76%
48 months
▼
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
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMar 20, 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
▼
APR4.80%
Term48 Months
Last UpdatedMar 24, 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
4.87%
36 Months
▼
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
▼
APR4.90%
Term84 Months
Last UpdatedMar 22, 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
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 24, 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%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As; 2020 or Newer**
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
▼
APR4.95%
Term72 Months
Last UpdatedMar 25, 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 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
▼
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
▼
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
▼
APR4.99%
Term36 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
New Auto Loan 2022-2025
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 24, 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
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2023 - 2025*
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
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 24, 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
▼
APR5.05%
TermUp to 84 Months
Last UpdatedMar 24, 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
▼
APR5.10%
TermUp to 72 Months
Last UpdatedMar 24, 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
▼
APR5.10%
Term72 Months
Last UpdatedMar 25, 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
▼
APR5.12%
Term60 Months
Last UpdatedMar 20, 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
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMar 24, 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
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 25, 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
▼
APR5.29%
Term36 Months
Last UpdatedMar 25, 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
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
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
▼
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
▼
APR5.39%
Term72 Months
Last UpdatedMar 24, 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
▼
APR5.39%
Term48 Months
Last UpdatedMar 25, 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
▼
APR5.39%
Term48 Months
Last UpdatedMar 25, 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
▼
APR5.40%
Term0-36
Last UpdatedMar 22, 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
5.40%
Up to 72 Months
▼
APR5.40%
TermUp to 72 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
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
▼
APR5.44%
Term60 Months
Last UpdatedMar 25, 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
▼
APR5.44%
Term60 Months
Last UpdatedMar 25, 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 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 2021-2025
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 24, 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
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 24, 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
▼
APR5.49%
Term72 Months
Last UpdatedMar 25, 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
▼
APR5.49%
Term72 Months
Last UpdatedMar 25, 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
▼
APR5.49%
Term84 Months
Last UpdatedMar 25, 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
▼
APR5.54%
TermUp to 48 Months
Last UpdatedMar 25, 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%
84 Months
▼
APR5.55%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As; 2022 or Newer
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
▼
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
▼
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
▼
APR5.70%
Term37-48
Last UpdatedMar 22, 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
▼
APR5.70%
TermUp to 84 Months
Last UpdatedMar 24, 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
5.70%
84 Months
▼
APR5.70%
Term84 Months
Last UpdatedMar 25, 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
▼
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
▼
APR5.79%
Term84 Months
Last UpdatedMar 24, 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
▼
APR5.80%
Term84 Months
Last UpdatedMar 24, 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
▼
APR5.89%
Term72 Months
Last UpdatedMar 24, 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
▼
APR5.89%
Term49 to 78 Months
Last UpdatedMar 25, 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
▼
APR5.89%
Term36 Months
Last UpdatedMar 25, 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
▼
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
▼
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
▼
APR5.99%
Term60 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 2018-2020
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 24, 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
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2023 - 2025*
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
▼
APR6.00%
TermUp to 84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
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
▼
APR6.09%
Term60 Months
Last UpdatedMar 25, 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
▼
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
▼
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
▼
APR6.29%
Term84 Months
Last UpdatedMar 24, 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
▼
APR6.29%
Term72 Months
Last UpdatedMar 25, 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
▼
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
▼
APR6.39%
Term66 Months
Last UpdatedMar 24, 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
▼
APR6.39%
Term60 Months
Last UpdatedMar 24, 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
▼
APR6.59%
TermUp to 72 Months
Last UpdatedMar 25, 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
▼
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
▼
APR6.79%
Term54 Months
Last UpdatedMar 24, 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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR7.29%
Term48 Months
Last UpdatedMar 24, 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
▼
APR7.45%
Term6Yrs
Last UpdatedMar 22, 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
7.69%
84 Months
▼
APR7.69%
Term84 Months
Last UpdatedMar 25, 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
▼
APR7.79%
Term42 Months
Last UpdatedMar 24, 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
▼
APR8.10%
Term6Yrs
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
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedMar 22, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
▼
APR7.57%
Term84 Months
Last UpdatedMar 20, 2026
Details
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
▼
APR1.99%
Term72 Months
Last UpdatedMar 24, 2026
Details
90% of MSRP Rate depends on credit rating
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
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMar 4, 2026
Details
*APR is the Annual Percentage Rate.
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
▼
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
▼
APR3.88%
Term7Yrs
Last UpdatedMar 20, 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
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 24, 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
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 24, 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
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 24, 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
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 24, 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
▼
APR4.24%
Term36 Months
Last UpdatedMar 24, 2026
Details
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
▼
APR4.25%
Term36 - 75
Last UpdatedMar 22, 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
▼
APR4.30%
TermUp to 48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
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
▼
APR4.40%
Term36 Months
Last UpdatedMar 23, 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
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedMar 24, 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%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 24, 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%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 24, 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%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 24, 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
▼
APR4.74%
Term72 Months
Last UpdatedMar 24, 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 UpdatedMar 20, 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
▼
APR4.80%
Term48 Months
Last UpdatedMar 24, 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
4.87%
36 Months
▼
APR4.87%
Term36 Months
Last UpdatedMar 20, 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
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 24, 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%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As; 2020 or Newer**
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
▼
APR4.95%
Term72 Months
Last UpdatedMar 25, 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 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
▼
APR4.99%
Term60 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
New Auto Loan 2022-2025
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 24, 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
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 24, 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
▼
APR5.05%
TermUp to 84 Months
Last UpdatedMar 24, 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
▼
APR5.10%
TermUp to 72 Months
Last UpdatedMar 24, 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
▼
APR5.12%
Term60 Months
Last UpdatedMar 20, 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
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMar 24, 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
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 25, 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
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
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
▼
APR5.39%
Term72 Months
Last UpdatedMar 24, 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
▼
APR5.39%
Term48 Months
Last UpdatedMar 25, 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
▼
APR5.40%
Term0-36
Last UpdatedMar 22, 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
5.40%
Up to 72 Months
▼
APR5.40%
TermUp to 72 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
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
▼
APR5.44%
Term60 Months
Last UpdatedMar 25, 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
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 20, 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
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 24, 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
▼
APR5.49%
Term72 Months
Last UpdatedMar 25, 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
▼
APR5.49%
Term84 Months
Last UpdatedMar 25, 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
▼
APR5.54%
TermUp to 48 Months
Last UpdatedMar 25, 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%
84 Months
▼
APR5.55%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As; 2022 or Newer
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
▼
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
▼
APR5.70%
Term37-48
Last UpdatedMar 22, 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
▼
APR5.70%
TermUp to 84 Months
Last UpdatedMar 24, 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
▼
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
▼
APR5.79%
Term84 Months
Last UpdatedMar 24, 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
▼
APR5.80%
Term84 Months
Last UpdatedMar 24, 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
▼
APR5.89%
Term49 to 78 Months
Last UpdatedMar 25, 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
▼
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
▼
APR5.99%
Term72 Months
Last UpdatedMar 23, 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
▼
APR6.00%
TermUp to 84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR7.05%
Term5Yrs
Last UpdatedMar 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
▼
APR8.57%
Term72 Months
Last UpdatedMar 20, 2026
Details
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
▼
APR3.88%
Term7Yrs
Last UpdatedMar 20, 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
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 24, 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
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 24, 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
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 24, 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
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
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
▼
APR4.24%
Term24 to 60 months
Last UpdatedMar 21, 2026
Details
As Low As; Rates based on term selected.
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
▼
APR4.24%
Term36 Months
Last UpdatedMar 24, 2026
Details
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
▼
APR4.25%
Term36 - 75
Last UpdatedMar 22, 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
▼
APR4.30%
TermUp to 48 Months
Last UpdatedMar 24, 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
▼
APR4.40%
TermUp to 60 Months
Last UpdatedMar 24, 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%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As; All Years**
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
▼
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
▼
APR4.49%
Term48 Months
Last UpdatedMar 24, 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%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 24, 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%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 24, 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
▼
APR4.74%
Term72 Months
Last UpdatedMar 24, 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 UpdatedMar 20, 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
▼
APR4.80%
Term48 Months
Last UpdatedMar 24, 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
▼
APR4.90%
Term60 Months
Last UpdatedMar 24, 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%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As; 2020 or Newer**
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
▼
APR4.95%
Term72 Months
Last UpdatedMar 25, 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 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
▼
APR4.99%
Term36 Months
Last UpdatedMar 23, 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
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 24, 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
▼
APR5.05%
TermUp to 84 Months
Last UpdatedMar 24, 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
▼
APR5.10%
TermUp to 72 Months
Last UpdatedMar 24, 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
▼
APR5.20%
Term72 Months
Last UpdatedMar 24, 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
▼
APR5.29%
Term36 Months
Last UpdatedMar 25, 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
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
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
▼
APR5.39%
Term48 Months
Last UpdatedMar 25, 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
5.40%
Up to 72 Months
▼
APR5.40%
TermUp to 72 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
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
▼
APR5.44%
Term60 Months
Last UpdatedMar 25, 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 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 2021-2025
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 24, 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
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 24, 2026
Details
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
▼
APR5.49%
Term72 Months
Last UpdatedMar 25, 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
▼
APR5.49%
Term84 Months
Last UpdatedMar 25, 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
▼
APR5.54%
TermUp to 48 Months
Last UpdatedMar 25, 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%
84 Months
▼
APR5.55%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
5.70%
Up to 84 Months
▼
APR5.70%
TermUp to 84 Months
Last UpdatedMar 24, 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
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 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
5.80%
84 Months
▼
APR5.80%
Term84 Months
Last UpdatedMar 24, 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
▼
APR5.89%
Term72 Months
Last UpdatedMar 24, 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
▼
APR5.89%
Term49 to 78 Months
Last UpdatedMar 25, 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
▼
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
USED Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 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 2018-2020
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 24, 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
▼
APR6.00%
TermUp to 84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
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
▼
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
▼
APR6.29%
Term84 Months
Last UpdatedMar 24, 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
▼
APR6.39%
Term66 Months
Last UpdatedMar 24, 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
▼
APR6.39%
Term60 Months
Last UpdatedMar 24, 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
▼
APR6.59%
TermUp to 72 Months
Last UpdatedMar 25, 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
▼
APR6.79%
Term54 Months
Last UpdatedMar 24, 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
▼
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
▼
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
▼
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
▼
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
▼
APR7.29%
Term48 Months
Last UpdatedMar 24, 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
▼
APR7.79%
Term42 Months
Last UpdatedMar 24, 2026
Details
As Low As
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MonitorBankRates
National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New Auto Loan — National Avg APR
6.039%
▲ 0.196 from last week
New auto loan rates rose 0.196 points this week to 6.039% APR, up from 5.843% last week.
Used Auto Loan — National Avg APR
6.644%
▲ 0.012 from last week
Used auto loan rates rose 0.012 points this week to 6.644% APR, up from 6.633% last week.
National averages as of Mar 26, 2026 • Weekly data from 8,500+ U.S. banks & credit unions
Powered byMonitorBankRates
Frequently Asked Questions about Auto Loans in West Memphis, 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 West Memphis, 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 West Memphis, 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 West Memphis, Arkansas?
Based on our current data, some of the lowest auto loan rates available in West Memphis, Arkansas include:
- Hope Federal Credit Union Jackson, MS: 7.57% (Vehicle Loans - New (Up to 2 Years Old))
- Arkansas AM&N College Federal Credit Union: 1.99% (New Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in West Memphis, Arkansas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 25, 2026
