Compare Bank & Credit Union Rates
Best auto loan rates in Fort Smith, AR
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 1–7 of 7 in Fort Smith, AR · median 4.74% 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 - 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 - 4.74%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 - 4.74%APRas low as
Terms
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 - 5.44%APRas low as
Terms
Example payment $572 on $30,000 loan amount. Higher rates apply for other credit tiers.
Auto loan score 75 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low as
Terms
NEW! 2026; with approved credit
Auto loan score 67 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
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 Fort Smith, AR
7 banks and credit unions · checked Oct 16–22
- Typical
- 4.74%
- Top 10% up to
- 4.10%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Fort Smith, AR-OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Red River Credit UnionCredit union · 1 branch