Affordable Auto Loans in Fort Smith, AR

Drive Your Next Car in Fort Smith With Confidence

At River Town Federal Credit Union, we make auto financing straightforward, affordable, and local. Whether you’re buying a new or used vehicle—or refinancing an existing Auto Loan—you’ll find flexible terms and competitive rates tailored for drivers in Fort Smith.

We’re here to help you get behind the wheel with confidence—and keep more money in your pocket over the life of your loan.

Why Choose River Town FCU for Your Auto Loan?

We’re not here to sell you a one-size-fits-all loan. We’re here to help you find the right financing option that fits your lifestyle, your budget, and your vehicle goals.

Our Fort Smith Auto Loans include:

• Low, fixed rates on new and used cars

• Pre-approvals so you can shop with confidence

• Flexible terms up to 84 months

• Quick decisions from local lending professionals

• Refinancing options to lower your current rate or monthly payment

First-Time Car Buyer or Ready to Refinance Your Existing Loan? We’ve Got You Covered

Whether you're buying your first car or looking to refinance your current loan, our team will walk you through your options and help you choose what works best.

Thinking about refinancing?

• Reduce your monthly payment

• Shorten your loan term

• Save on interest over time

• Pay off your car faster

It only takes a few minutes to apply—and you’ll hear back fast.

Get Started With a Fort Smith Auto Loan Today

Ready to finance your next vehicle with a credit union that puts your needs first? Apply online, reach out for a quote, or stop by our Fort Smith branch to talk in person.