Auto Loans
Competitive rates, flexible terms, and financing that puts you in the driver’s seat.
Apply NowWhy Finance with UARK?
Low Rates
Keep your payments affordable with competitive rates.
Flexible Terms
Choose repayment options that fit your budget.
Fast Approval
Quick decisions so you can shop with confidence.
Dealership Convenience
Sign at the dealership as an option—it’s that easy.
Current Auto Loan Rates
Find the right loan for your vehicle and budget.
New Vehicles
| Term | APR* |
|---|---|
| 0–36 Months | 5.40% |
| 37–48 Months | 5.70% |
| 49–72 Months | 6.25% |
| 73–84 Months | 6.35% |
Used Vehicles (5 Years & Newer)
| Term | APR* |
|---|---|
| 0–36 Months | 5.90% |
| 37–48 Months | 6.20% |
| 49–72 Months | 6.85% |
| 73–84 Months | 7.05% |
Older Vehicles (6 Years & Older)
| Term | APR* |
|---|---|
| 0–36 Months | 7.15% |
| 37–48 Months | 7.45% |
| 49–72 Months | 8.10% |
| 73–84 Months | N/A |
*APR-Annual Percentage Rate. Rates Effective 10/16/2025. Rates are subject to change and based on creditworthiness.Terms and conditions apply. Credit subject to approval (Risk Based). Rate and terms subject to change without notice. Rates displayed include a combination of discounts up to max of 1.00%. Discounts include: part of our Select Employee Group, 5 years + membership, Open, active checking account AND:(a) Existing Direct deposit of $500+ monthly OR (b) Average 10 debit card transactions/month, automatic loan payments, at least two additional active products(certificate, mortgage, etc.), enrolled in eStatements.
How It Works
- Apply online or at a branch
- Get approved quickly
- Shop with confidence
- Sign at the dealership or with us
Ready to Hit the Road?
Apply today and drive off with a loan that works for you.
Apply for an Auto Loan