Arkansas Federal Credit Union
Arkansas Federal Credit Union — auto refinance APRs from 4.99% to 18.00% with terms up to 100 months.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Arkansas Federal Credit Union does not publish this on their public site. "No restriction" means Arkansas Federal Credit Union explicitly states no limit.
Overview
Arkansas Federal Credit Union offers a dedicated auto refinance product for borrowers switching from another lender. As of September 2026, published rates range from 4.99% to 18.00% APR, with the lowest rate reserved for terms up to 36 months and top credit tiers.…
What’s great
- Published APR range of 4.99%–18.00%
- Terms available up to 100 months
- Broad membership eligibility for Arkansas residents and workers
What to know
- Terms of 85 months or longer require a minimum financed amount of $65,000
- Lowest advertised rate only applies to terms up to 36 months and top credit tiers
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 4.99% – 18.00% (The 4.99% APR rate is only available for terms up to 36 months to those who meet the top credit tier requirements; higher rates apply for longer terms and other credit tiers.) |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | $65,000 – $65,000 |
| Term length | Up to 100 months |
| States served | Not disclosed |
| Membership requirement | Open to anyone who lives or works in Arkansas, has a family member who is a member, or is an employee or member of one of the credit union's partner employer groups. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Arkansas Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Arkansas Federal Credit Union before applying.
- [1]Auto Refinance — Arkansas Federal Credit Unionhttps://www.afcu.org/auto/auto-refinance/Last checked: October 2026
- [2]Membership — Arkansas Federal Credit Unionhttps://www.afcu.org/membership/Last checked: October 2026