Compare Bank & Credit Union Rates
Best auto loan rates in Arkansas
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 35 in Arkansas · median 5.00% APR
- 3.49%APRas low as
Terms
Model year 2025-2026. Up to 7 years. Low as rate is based on a 3 year term. Term is based on year of vehicle. Terms may be based on credit score, model year and mileage.
Auto loan score 97 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low as
Terms
As low as 3.74% on 36 month term. Up to 84 month terms available; rates based on term selected. Collateral: 2025 or newer, 10,000 miles or less.
Auto loan score 96 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.95%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Starting at / as low as 3.95% APR. Maximum 84 months. Advertised rate includes .25% discount for a loan-to-value of 90% or less. Rates based on creditworthiness and loan term. Approved rates are fixed at consummation.
Auto loan score 93 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - TruService Community FCUNew and Used Vehicles (Cars, Trucks, and Motorcycles) · 24–75 months
Credit union · 3 branches
3.99%APRas low as · up to 18.00%3.99% APR, up to 18.00%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.30%APRas low as
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 5.49%
4.49% APR, up to 5.49%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as rate subject to credit history, repayment term, and collateral. New, used, or refinanced. Excludes existing RiverLand loans. Minimum payment per $100 borrowed is $1.87.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as stated APR for term 37 - 60 months.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Starting at 4.50% (with discounts). APR can vary based on creditworthiness and terms of the loan. Discounts available up to 0.75% (0.25% each for 10 years with same employer, existing checking, direct deposit, credit score above 760).
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
New Auto
Auto loan score 85 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 18.00%
4.74% APR, up to 18.00%
Terms
Rate is risk-based on creditworthiness. Eligible for a 0.25% discount with automatic payment from an ABFCU account. Collateral equity discount up to 0.50% available.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Baptist Health Federal Credit UnionNew/Pre-Owned 2022-2027 · up to 60 months
Credit union · 5 branches
4.74%APRas low asTerms
Rates as low as based on creditworthiness; terms up to 60 months.
Auto loan score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as 4.99% APR for 5 years term.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Arkansas
35 banks and credit unions · checked Oct 16–22
- Typical
- 5.00%
- Top 10% up to
- 4.11%
- Banks, typical
- 6.32%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Arkansas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Barksdale Federal Credit UnionCredit union · 5 branches
- TruService Community FCUCredit union · 3 branches
- Telcoe Federal Credit UnionCredit union · 4 branches