JustAutoRates

Current Auto Loan Rates in Arkansas

Checked weeklyUpdated

Nationwide offers plus lenders whose published coverage includes Arkansas.

Lowest match

3.39%

Buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.

Lenders tracked

232

Credit unions and banks

Credit unions average 5.13%.How these averages work: We took each lender’s lowest rate and averaged them: 11 credit unions, 2 banks. We show a bank average once at least 5 banks are listed here.

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All36m48m60m72m84m96m

11 rates from 9 lenders · Arkansas · Used · 72m · Sorted by lowest APR

About loan terms

Lenders often give one rate for a range of terms. “37–60 months” means the rate covers any term in that range, and “Up to 48 months” covers terms up to 48. “Term not listed” means the lender didn’t tie the rate to a term.

Clear all
Used72m

11 rates

As low asTrueCar buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.

5.04%Used72 months

PenFed Credit Union

NationwideChecked Nov 11, 2026

What the lender published

Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 11, 2026Source penfed.org

Calculate payment at 5.04% from PenFed Credit UnionVisit lender ↗
As low asStandard rate

5.39%Used72 months

PenFed Credit Union

NationwideChecked Nov 11, 2026

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 11, 2026Source penfed.org

Calculate payment at 5.39% from PenFed Credit UnionVisit lender ↗
As low asMilitary & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.

5.69%Used61–72 months

Navy Federal Credit Union

NationwideChecked Nov 11, 2026

What the lender published

As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 61-72 months.

Checked Nov 11, 2026Source navyfederal.org

Calculate payment at 5.69% from Navy Federal Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.74%UsedUp to 72 months

Digital Federal Credit Union (DCU)

NationwideChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 72 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.74% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asStandard rate

5.89%and upUsed24–72 months

Credit Human

NationwideChecked Nov 10, 2026

Minimum loan $7,500.

What the lender published

Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model years 2021-2022; table shows term 24-72 months and rate 5.89-14.29%. Starting APR; shown at the longest term in this range. A more specific term for the 5.89% starting rate was not given.

Checked Nov 10, 2026Source credithuman.com

Calculate payment at 5.89% from Credit HumanVisit lender ↗
As low asStandard rate

6.49%Used72 months

Wings Financial Credit Union

NationwideChecked Nov 10, 2026

What the lender published

APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model years 2022-2020.

Checked Nov 10, 2026Source wingscu.com

Calculate payment at 6.49% from Wings Financial Credit UnionVisit lender ↗
As low asStandard rate

6.70%Used72 months

Andrews Federal Credit Union

NationwideChecked Nov 10, 2026

Minimum loan $15,000.

What the lender published

As low as APR. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.

Checked Nov 10, 2026Source andrewsfcu.org

Calculate payment at 6.70% from Andrews Federal Credit UnionVisit lender ↗
As low asStandard rate

6.75%Used72 months

Capital One

NationwideChecked Nov 10, 2026

What the lender published

As low as rates for buyers with excellent credit characteristics, updated monthly (page heading: November). Displayed rates are based on the previous month's Capital One funded loan data for 60- and 72-month terms with participating dealers. Financing subject to eligibility.

Checked Nov 10, 2026Source capitalone.com

Calculate payment at 6.75% from Capital OneVisit lender ↗
As low asAutopay + digitalAutopay + digital: The published rate assumes autopay and digital banking discounts.

7.04%Used72 months

Connexus Credit Union

NationwideChecked Nov 10, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. 2024 and older. Term limits: model years 2023-2024 max 84 months; 2020-2022 max 72 months; 2019 and older max 60 months.

Checked Nov 10, 2026Source connexuscu.org

Calculate payment at 7.04% from Connexus Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

7.24%UsedUp to 84 months

Digital Federal Credit Union (DCU)

NationwideChecked Nov 11, 2026

What the lender published

The published figure may include an autopay, direct-deposit, or relationship discount.

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 84 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 7.24% from Digital Federal Credit Union (DCU)Visit lender ↗

Estimate your payment

Full calculator with taxes, fees & trade-in ›

Using PenFed Credit Union’s as-low-as APR; your rate depends on credit.

Estimated monthly payment

$544.28

About $2,657 estimated total interest

Estimate only. This calculator is for illustration and is not a loan offer or approval. Your actual APR, payment, taxes, and fees depend on your credit, the vehicle, the lender, and your state. Confirm all figures with your lender and dealer. Sales tax, trade-in tax credits, fees, and registration costs vary by state. Check your own state’s rules.

Credit union membership: Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying.

How Our Rate Board Works

Every rate comes from the lender’s own website and is the lowest APR it advertises, so yours depends on your credit, vehicle, and term. Sponsored spots are labeled and never change the order.

  • Straight from the lender

    Every rate comes from the lender’s own website, and we show the date we last checked it.

  • “As low as” rates

    Rates labeled “As low as” represent the lender’s minimum advertised rate. They are not guaranteed offers of credit. Final APRs, loan terms, and approval depend on individual factors including credit score, vehicle age, loan amount, and underwriting approval.

  • Preserved loan terms

    If a lender publishes a term range (e.g., “37–60 months” or “up to 65 months”), we show that exact range rather than rounding it to a single 60-month figure. Payment figures are always labeled as estimates. When a lender doesn’t name a term, we say “Term not listed.”

  • Buying-service rates

    Some lenders publish lower rates that only apply when you buy through their car-buying program (for example, a TrueCar-powered service) from a participating dealer. These rates are tagged, and we aren’t affiliated with these programs or their dealers.

  • Credit union membership

    Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying. Rates limited to a specific group, such as military families or employees, carry a tag naming who is eligible and are kept out of the “Lowest for everyone” figure.

  • Sorting & sponsorships

    Rates are sorted from the lowest advertised APR up. Featured sponsor placements are clearly labeled as sponsored content and do not alter or inflate the natural sorting order of organic lender listings.

  • Disclaimer & independence

    JustAutoRates is an independent informational publisher, not a lender or credit broker. Lender names, logos, and trademarks belong to their respective owners. Rates are subject to change by lenders at any time without notice. We may receive compensation from partners or featured sponsors on this page.

Full methodology: how we check

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