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Arvest Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 26 November 2023
Fact checked

A quick review of Arvest Bank auto loans

Arvest Bank logo

Arvest Bank offers used and new auto financing and refinancing options to its 110+ community affiliates throughout Arkansas, Kansas, Missouri, and Oklahoma. Whether you’re in for business, a thrilling adventure, or a family-friendly ride, you can pick from a variety of vehicles. The bank has loans for cars, RVs, motorcycles, power sports, boats, ATVs, accessible vehicles, and more.

Want to see what an Arvest auto loan will cost? Try the Arvest Bank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Arvest Bank auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Undisclosed.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Possible lower rate for applicants with high credit scores.

ARVEST BANK CAR LOAN OPTIONS

New and used auto loans

Arvest Bank finances and refinances used and new cars. Plus, the bank allows the use of the equity in an existing vehicle as collateral to secure a loan for other things. To get a quote for your estimated rate, term, and monthly payment, you can call (866) 952-9523 or visit a branch near you.

RV, power sport, and motorcycle loans

Arvest also offers loans tailored to RVs, boats, and motorcycles. Moreover, you can secure power sports vehicle loans to finance new or used ATVs, UTVs, jet skis, and others.

Accessible vehicle loans

Arvest Bank has loans for accessible vehicles or conversion vans, too. You can choose from new and used vehicles designed with special features, such as wheelchair ramps.

Commercial vehicle financing

If your company needs commercial fleet financing, Arvest also provides loans for business purposes. In addition, the bank has off-lease commercial vehicles for sale.

Unsecured loans

You can also apply for Arvest Bank’s unsecured loans. Through this, you can secure a loan to purchase a vehicle without worrying about collateral.

Arvest Bank auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Arvest Bank

Arvest Bank auto loan

Arvest Bank auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Arvest Bank auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for an Arvest Bank auto loan

Eligibility criteria

You typically need to be:

  • 18 years old or legal to obtain auto financing
  • Either employed or have a steady source of income

Though Arvest only offers loans in Arkansas, Kansas, Missouri, and Oklahoma, you may still qualify if the vehicle is located in the bank’s lending area. Before submitting your application, try to first check your credit score, too. Banks, lenders, and credit unions usually offer their best rates and terms to borrowers in good credit standing.

What you’ll need to have ready

Personal details

When you apply for auto financing with Arvest Bank, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Arvest with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements

Remember that the information provided is subject to change, and it’s always best to check with Arvest. For example, you may be required to give details about your vehicle. These can include the make, model, year, and mileage. So, preparing these ahead can fast track your application process.

Ways to apply for an Arvest Bank auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (855) 662-5626

Additional Arvest Bank auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but approval time may take a few hours to a few weeks based on your application.
  • Rate discounts: Potential lower interest rates for borrowers in good credit standing.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, in person, and by mail.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Different loan options available – new and used auto loans, refinancing options, and unsecured loans.
  • Available in over 110 communities across Arkansas, Kansas, Missouri, and Oklahoma.
  • Several vehicle choices – automobiles, RVs, power sports, motorcycles, boats, ATVs, accessible vehicles, jet skis, etc.
  • Conveniently pay your monthly dues online, in a branch, or by mail.
  • Optional protection plans for your vehicle.
  • Borrowers with high credit scores may receive low rates.

Cons

  • Services limited in Arkansas, Kansas, Missouri, and Oklahoma.
  • Undisclosed interest rates.
  • Unspecified loan fees and vehicle restrictions.
  • Low credit scores may lead to higher rates.

FREQUENTLY ASKED QUESTIONS

Where can I apply for Arvest Bank vehicle financing?

You can apply for Arvest vehicle financing online, at your local branch, or via phone. You can also schedule an appointment online and choose whether you want to visit a branch or apply through phone.

How can I contact Arvest about my vehicle finance?

You can reach out to Arvest Bank by calling their general customer service at (866) 952-9523 for account-related inquiries.

How much interest does Arvest Bank charge on auto loans?

Arvest Bank does not indicate the car loan rates online. To check out your estimated interest rates and terms, you can contact Arvest or visit a branch.

Does Arvest Bank refinance car loans?

Yes. You can refinance your used or new car through Arvest.

Are the auto loans available in all 50 states in America?

No. Arvest branches only accept vehicle financing from Arkansas, Kansas, Missouri, and Oklahoma.

Will applying for a car loan with Arvest Bank affect my credit score?

Submitting a loan application requires Arvest to make a hard credit check. Since this will appear on your credit report, it can temporarily cause your credit score to drop by a few points.

Video: Auto loans – A spin on spending

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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