Best Personal Loan Rates in Fort Smith, Arkansas (AR) - March 2026
Content reviewed by
Brian McKay
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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 Arkansas borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Fort Smith, Arkansas include: River Town Federal Credit UnionRiver Town Federal Credit Union1001 S 21st St, FORT SMITH, AR, 72901 4007A+5.0 ★Texas Ratio: 0.00% offering Personal (Signature) Loans at 8.00% APR, Red River Employees Federal Credit UnionRed River Employees Federal Credit Union4300 Rogers Ave, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 5.10% offering NEW Loans at 8.75% APR, Arkansas Best Federal Credit UnionArkansas Best Federal Credit Union3501 Old Greenwood Rd, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 1.31% offering Signature at 9.50% APR, Mercy Credit UnionMercy Credit Union7301 Rogers Ave, Fort Smith, AR, 72903A+5.0 ★Texas Ratio: 1.69% offering Unsecured Loan at 10.00% APR, and Baxter Credit UnionBaxter Credit Union1900 Highway 201 N, Mountain Home, AR, 72653A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of March 26, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Fort Smith, Arkansas can save you significantly over the life of your loan.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Fort Smith, Arkansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Fort Smith, Arkansas. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: March 26, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 S 21st St, FORT SMITH, AR, 72901 4007
Personal (Signature) Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details
As Low As
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 S 21st St, FORT SMITH, AR, 72901 4007
Seasonal Special Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
NEW Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 27, 2026
Details
$40,000 and above; As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
Used Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 27, 2026
Details
$40,000 and above; 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
Signature
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
7301 Rogers Ave, Fort Smith, AR, 72903
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4300 Rogers Ave, Fort Smith, AR, 72903
Unsecured
13.30%
▼
APR13.30%
Last UpdatedMarch 27, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
7301 Rogers Ave, Fort Smith, AR, 72903
Emergency Help Loan
28.00%
▼
APR28.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMarch 27, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMarch 27, 2026
Details
As Low As
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR, 71601
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 27, 2026
Details
100% of available shares
White County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
New Recreational and Miscellaneous Loan 2022-2025
5.99%
▼
APR5.99%
Last UpdatedMarch 27, 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 Recreational and Miscellaneous Loan
6.39%
▼
APR6.39%
Last UpdatedMarch 27, 2026
Details
As Low As
Subiaco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
243 Conrad St, Subiaco, AR, 72865
Agriculture Loans
6.49%
▼
APR6.49%
Last UpdatedMarch 27, 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 Recreational and Miscellaneous Loan 2021-2025
6.49%
▼
APR6.49%
Last UpdatedMarch 27, 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 Recreational and Miscellaneous Loan
6.79%
▼
APR6.79%
Last UpdatedMarch 27, 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 Recreational and Miscellaneous Loan
6.89%
▼
APR6.89%
Last UpdatedMarch 27, 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
Citizenship Loan
6.90%
▼
APR6.90%
Last UpdatedMarch 27, 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
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 27, 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 Recreational and Miscellaneous Loan 2018-2020
6.99%
▼
APR6.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Ouachita Valley Health System Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.80%
638 California Ave SW, Camden, AR, 71701 4604
Land Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 27, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Signature Loans
7.17%
▼
APR7.17%
Last UpdatedMarch 27, 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
Land Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 27, 2026
Details
No additional details available.
White County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Recreational and Miscellaneous Loan
7.29%
▼
APR7.29%
Last UpdatedMarch 27, 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 Recreational and Miscellaneous Loan
7.39%
▼
APR7.39%
Last UpdatedMarch 27, 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 Recreational and Miscellaneous Loan 2016-2017
7.39%
▼
APR7.39%
Last UpdatedMarch 27, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Dillards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1600 CANTRELL RD, Little Rock, AR, 72201 1110
Personal/Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1125 Military Rd, Benton, AR, 72015
Unsecured
7.50%
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
Special Occasion Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
White County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Recreational and Miscellaneous Loan 2014-2015
7.79%
▼
APR7.79%
Last UpdatedMarch 27, 2026
Details
As Low As
Fort Roots Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2200 Fort Roots Dr Bldg 170, North Little Rock, AR, 72114 1709
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedMarch 27, 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
Unsecured
8.00%
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details
As Low As
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR, 71601
Personal
8.00%
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details
$6000 Maximum Rate depends on Credit rating
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR, 72211
Appliance & Electronics Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
White County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Used Recreational and Miscellaneous Loan 2011-2013
8.29%
▼
APR8.29%
Last UpdatedMarch 27, 2026
Details
As Low As
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
2301 S University Ave, Little Rock, AR, 72204 4940
Vacation/Holiday Loan
8.49%
▼
APR8.49%
Last UpdatedMarch 27, 2026
Details
As Low As; Terms up to 18 Months w/ a Max Loan Amount of $3,000
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR, 72401
Signature/Flex Loan
8.49%
▼
APR8.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR, 72201 4692
Signature
8.54%
▼
APR8.54%
Last UpdatedMarch 27, 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
Unsecured
8.75%
▼
APR8.75%
Last UpdatedMarch 27, 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 Recreational and Miscellaneous Loan 2010-Older
8.79%
▼
APR8.79%
Last UpdatedMarch 27, 2026
Details
As Low As
UP Arkansas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1501 Pike Ave, North Little Rock, AR, 72114 3267
PERSONAL
8.80%
▼
APR8.80%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR, 72401
Signature/Flex Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR, 71601
Personal
9.00%
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details
$5000 Maximum Rate depends on credit rating
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1448 AR 333, Russellville, AR, 72802
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
2301 S University Ave, Little Rock, AR, 72204 4940
Unsecured or Personal Signature Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 27, 2026
Details
As Low As; Terms from 24 - 60 Months
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR, 72401
Signature/Flex Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 27, 2026
Details
As Low As
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR, 72401
Signature/Flex Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR, 72015 3528
Signature Loans
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR, 72015 3528
Signature/Personal
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 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
Unsecured
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 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
Unsecured/ Signature
9.87%
▼
APR9.87%
Last UpdatedMarch 27, 2026
Details
As Low As
Natural State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
901 S MAIN ST, SEARCY, AR, 72143
Unsecured Loan
9.95%
▼
APR9.95%
Last UpdatedMarch 27, 2026
Details
As Low As
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
2301 S University Ave, Little Rock, AR, 72204 4940
Credit Builder Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As; Terms up to 24 Months w/ a Max Loan Amount of $3,000
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
White County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As; (Similar to a Personal Loan)
Ouachita Valley Health System Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.80%
638 California Ave SW, Camden, AR, 71701 4604
Unsecured Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7301 E County Road 142, Blytheville, AR, 72315 6917
Share Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR, 71601
Personal
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
$4000 Maximum Rate depends on credit rating
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1448 AR 333, Russellville, AR, 72802
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMarch 27, 2026
Details
No additional details available.
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR, 72211
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details
No additional details available.
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
Personal Loans
10.68%
▼
APR10.68%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
7333 Highway 270, Malvern, AR, 72104 2078
Unsecured Loan
10.70%
▼
APR10.70%
Last UpdatedMarch 27, 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
Personal
11.00%
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR, 71601
Personal
11.00%
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details
$3000 Maximum Rate depends on credit rating
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
45 Highway 79 Byp N, Magnolia, AR, 71753 3244
Personal Loans
11.05%
▼
APR11.05%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1448 AR 333, Russellville, AR, 72802
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
411 N Broadway St, Blytheville, AR, 72315
Personal Loan
11.25%
▼
APR11.25%
Last UpdatedMarch 27, 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
Personal
11.50%
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
411 N Broadway St, Blytheville, AR, 72315
Personal Loan
11.75%
▼
APR11.75%
Last UpdatedMarch 27, 2026
Details
As Low As
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR, 72039
Signature Loan
11.90%
▼
APR11.90%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
430 N Hampton Ave, Russellville, AR, 72802
Personal Signature
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
Regular APR: 12.00 - 18.00
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
2200 Forward Dr, Harrison, AR, 72601 2004
12-12-12 Specialty Loan
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
411 N Broadway St, Blytheville, AR, 72315
Personal Loan
12.25%
▼
APR12.25%
Last UpdatedMarch 27, 2026
Details
As Low As
Subiaco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
243 Conrad St, Subiaco, AR, 72865
Unsecured Loan
13.00%
▼
APR13.00%
Last UpdatedMarch 27, 2026
Details
As Low As
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR, 71601
Personal
13.00%
▼
APR13.00%
Last UpdatedMarch 27, 2026
Details
$2000 Maximum Rate depends on credit rating
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Loan Type
13.25%
▼
APR13.25%
Last UpdatedMarch 27, 2026
Details
Maximum Amount: Credit Limits of Up to $10,000
FCI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
1400 Dale Bumpers Dr, Forrest City, AR, 72335 2695
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedMarch 27, 2026
Details
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMarch 27, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMarch 27, 2026
Details
As Low As; Rates as low as 13.74% APR* for a 12-month term.
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR, 72201 1903
Personal Loans
13.99%
▼
APR13.99%
Last UpdatedMarch 27, 2026
Details
As Low As; Rates from 13.99% to 17.99% APR dependent upon credit score and credit history. Contact us for line of credit rates.
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR, 72201 1903
Personal Loan
13.99%
▼
APR13.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR, 72201 1903
Lemonade Loan
13.99%
▼
APR13.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR, 71601
Personal
14.00%
▼
APR14.00%
Last UpdatedMarch 27, 2026
Details
$1500 Maximum Rate depends on credit rating
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMarch 27, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Electric Cooperatives Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1 Cooperative Way, Little Rock, AR, 72209
Personal/Signature
14.50%
▼
APR14.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2522 S Pinnacle Hills Pkwy, Rogers, AR, 72758
Unsecured Loan
16.75%
▼
APR16.75%
Last UpdatedMarch 27, 2026
Details
No additional details available.
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Personal Loan
17.00%
▼
APR17.00%
Last UpdatedMarch 27, 2026
Details
As Low As
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Eaton Hydraulics, Searcy, AR, 72143 7408
Lifestyle Loans
17.00%
▼
APR17.00%
Last UpdatedMarch 27, 2026
Details
As Low As; Use it for whatever life throws at you - Medical bills, vacation, home improvements, and more! These loans start at $250 and go up based on your income & credit. Rates and terms are fixed for up to 60 months.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7301 E County Road 142, Blytheville, AR, 72315 6917
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Borrow and Save Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR, 72015 3528
QuickCA$H (PAL Loan)
28.00%
▼
APR28.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 S 21st St, FORT SMITH, AR, 72901 4007
Seasonal Special Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details
As Low As
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR, 71601
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 27, 2026
Details
100% of available shares
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR, 72201 4692
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1448 AR 333, Russellville, AR, 72802
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1448 AR 333, Russellville, AR, 72802
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMarch 27, 2026
Details
No additional details available.
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR, 72211
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details
No additional details available.
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR, 71854
Personal Loans
10.68%
▼
APR10.68%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
45 Highway 79 Byp N, Magnolia, AR, 71753 3244
Personal Loans
11.05%
▼
APR11.05%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1448 AR 333, Russellville, AR, 72802
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
411 N Broadway St, Blytheville, AR, 72315
Personal Loan
11.25%
▼
APR11.25%
Last UpdatedMarch 27, 2026
Details
As Low As
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
411 N Broadway St, Blytheville, AR, 72315
Personal Loan
11.75%
▼
APR11.75%
Last UpdatedMarch 27, 2026
Details
As Low As
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
411 N Broadway St, Blytheville, AR, 72315
Personal Loan
12.25%
▼
APR12.25%
Last UpdatedMarch 27, 2026
Details
As Low As
FCI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
1400 Dale Bumpers Dr, Forrest City, AR, 72335 2695
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedMarch 27, 2026
Details
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMarch 27, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMarch 27, 2026
Details
As Low As; Rates as low as 13.74% APR* for a 12-month term.
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR, 72201 1903
Personal Loan
13.99%
▼
APR13.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR, 72201 1903
Personal Loans
13.99%
▼
APR13.99%
Last UpdatedMarch 27, 2026
Details
As Low As; Rates from 13.99% to 17.99% APR dependent upon credit score and credit history. Contact us for line of credit rates.
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 W Van Asche, Fayetteville, AR, 72703
Personal Loan
17.00%
▼
APR17.00%
Last UpdatedMarch 27, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMarch 27, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR, 72712
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 S 21st St, FORT SMITH, AR, 72901 4007
Personal (Signature) Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 27, 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
Signature
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Signature Loans
7.17%
▼
APR7.17%
Last UpdatedMarch 27, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR, 72301 2614
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Dillards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1600 CANTRELL RD, Little Rock, AR, 72201 1110
Personal/Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Fort Roots Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2200 Fort Roots Dr Bldg 170, North Little Rock, AR, 72114 1709
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedMarch 27, 2026
Details
As Low As
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR, 72401
Signature/Flex Loan
8.49%
▼
APR8.49%
Last UpdatedMarch 27, 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
Signature
8.54%
▼
APR8.54%
Last UpdatedMarch 27, 2026
Details
As Low As
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR, 72401
Signature/Flex Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
2301 S University Ave, Little Rock, AR, 72204 4940
Unsecured or Personal Signature Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 27, 2026
Details
As Low As; Terms from 24 - 60 Months
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR, 72401
Signature/Flex Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 27, 2026
Details
As Low As
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR, 72401
Signature/Flex Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR, 72015 3528
Signature Loans
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR, 72015 3528
Signature/Personal
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 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
Unsecured/ Signature
9.87%
▼
APR9.87%
Last UpdatedMarch 27, 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
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
White County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
508 W BEEBE CAPPS EXPY, Searcy, AR, 72143 6652
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As; (Similar to a Personal Loan)
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR, 72039
Signature Loan
11.90%
▼
APR11.90%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
430 N Hampton Ave, Russellville, AR, 72802
Personal Signature
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
Regular APR: 12.00 - 18.00
Electric Cooperatives Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1 Cooperative Way, Little Rock, AR, 72209
Personal/Signature
14.50%
▼
APR14.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7301 E County Road 142, Blytheville, AR, 72315 6917
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Powered by
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No home improvement personal loan rates found in Fort Smith, AR currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Arkansas?
Most lenders in Fort Smith, Arkansas require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Arkansas often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Fort Smith, Arkansas require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Arkansas?
Yes. Debt consolidation is one of the most common uses of personal loans in Fort Smith, Arkansas. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Fort Smith, Arkansas?
Credit unions in Fort Smith, Arkansas often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Fort Smith, Arkansas?
- River Town Federal Credit Union: 8.00% (Personal (Signature) Loans)
- Red River Employees Federal Credit Union: 8.75% (NEW Loans)
- Arkansas Best Federal Credit Union: 9.50% (Signature)
- Mercy Credit Union: 10.00% (Unsecured Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Fort Smith, Arkansas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 26, 2026.
Personal Loan Calculators
