Arkansas Federal Credit Union Menu The new online and mobile banking experience is here! Learn more. Home > Auto > Auto Refinance Refi Your Ride as low as 0.99 % APR1 Plus, no payments for 90 days!2 Apply Today Love your ride, but not your payment? At Arkansas Federal, refinancing a car loan with us couldn’t be simpler. We make it easy to find the best auto refinancing from the comfort of your own home. Zero obligation! $0 application fee! With rates this low, what are you waiting for? Features & Benefits REFI NOW. PAY LATER. Take a break from payments and get up to 90 days before your first payment is due.2 $0 APPLICATION FEE There’s no cost to apply and no origination or pre-payment penalty fees. LOWER YOUR PAYMENTS With rates as low as 0.99% APR1 you could reduce your rate and lower your monthly payments. Rates & Terms APR as low as1 Term Loan Amount Approx. Monthly Payment 0.99% 36 mos. $20,000 $564.30 2.04% 48 mos. $20,000 $434.61 2.29% 60 mos. $20,000 $353.43 Arkansas’ #1 Auto Lender There’s a reason we’re Arkansas’ #1 Auto Lender. More Arkansans trust Arkansas Federal with their auto loan needs than any other Arkansas-based lender. Experience the difference yourself today! Apply Today Get started. It's easy! Apply online in under 20 minutes. There’s no cost to apply and the application process is easy. Have questions? Call us at 800.456.3000 or visit your local branch. Apply Today Member? Apply Now Arkansas Federal Credit Union 800.456.3000 About Arkansas Federal Membership Community Careers Locations & ATMs Disclosures, Rates & Fees Privacy Policy Quick Links Contact Us Online Banking Login Digital Banking Help & Support Payments & Transfers Login Check Loan Status Upon submitting an application, you may qualify for a higher or lower loan amount and/or higher or lower Annual Percentage Rate (APR). Rate shown based on a credit score of 740 or higher, loan-to-value equal to or less than 70% and a term of 36 months for 0.99% APR for 2022-2019 vehicle models. The final loan amount and APR will be provided after the loan application is submitted to Arkansas Federal Credit Union’s consumer lending department. Full coverage insurance with a maximum deductible of $1,000 is required on all Auto loans. Borrower is responsible for adding Arkansas Federal as a lienholder. This offer is only valid for auto loans not currently financed with Arkansas Federal. Offer subject to change without notice. Membership with Arkansas Federal is required for this offer. Interest continues to accrue during the deferred payment and credit score determines rate. First payments may be due up to 90 days from the date of the signed contract. Federally Insured by NCUA NMLS: 418494