Finance Your Vehicle With Us - Rath Auto Resources

In addition to being named DealerRater's 2016 Arkansas Used Car Dealer of the Year, we've also won the 2016 Consumer Satisfaction Award. We'd like to think this is because our "for the people" philosophy extends to financing.

Our For the People Credit Approval Process guarantees that you'll be approved for a nicer, newer vehicle regardless of past credit problems. Even if you've been turned down for auto financing in the past, that changes now.

The process is simple, and you can get started right away. Fill out our online form for approval in as little as 30 seconds. Even if you're not approved automatically, one of our finance team members will be in touch to discuss your options. Either way, you'll soon have access to affordable financing rates that can help you get the reliable vehicle you need.

The Rath Auto Resources finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Fort Smith, Van Buren, and Rogers to ensure our customers get the right finance program at the most competitive rates.

We strive to work with each customer to ensure their satisfaction. We have financed customers from Fayetteville to Springdale. Whether you are right down the road or an hour away from Fort Smith you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.

Enjoy a car-buying experience designed with you in mind. Buy your next vehicle at Rath Auto Resources.

How is Your Credit?

Best, "I've never missed a payment!"

The Rath Auto Resources loan process can help you find the best interest rate for your next vehicle purchase.

Try our FREE credit application today!

Competitive Pre-Owned Vehicle Rates*

We have hundreds of pre-owned vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.

OK. "I've missed a payment or two."

Due to our special arrangements with local and national lenders, we can help you get the pre-owned vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!

Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of pre-owned vehicles currently available for immediate delivery.

Not so good. "I need to rebuild my credit..."

Are you new to this country? Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our FREE credit application online.

Once the application is completed, the Rath Auto Resources finance team will put together a loan package that is tailored specifically for you.

Use our Payment Calculator feature on our website!

Find Out Your Credit Score

Get pre-approved for an auto loan and see your credit score and ranking instantly! 

  • There is no cost or obligation to you.
  • See the maximum amount you may qualify for
  • Get your automotive credit score
  • We don't require your social security number!
  • See where you rank against the rest of the U.S
  • This credit check doesn't affect your credit score!

Meet our Finance Manager, Mike Jennings. 

Mike Jennings, Finance Manager, has been with Rath Auto Resources since April 2016. Mike is a dedicated and diligent employee with educational plans for continued professional success. When not working, Mike loves time spent with his family, building projects at home, cooking, adventure travel and the great outdoors.



So you have credit problems. Who doesn’t? More than 90% of American’s have less than perfect credit. You’re not alone.

There is something you can do to improve your situation, though. You don’t have to stand by and wait for things to change. But most dealerships are too busy trying to sell a car to actually slow down and help somebody become a better buyer. Take these 6 tips to boost your credit score so you can drive away with the car of your dreams. 


If you would like to use your safe and secure website to get approved for an auto loan, click here.

Rath Auto Resources

4515 Towson Avenue - Fort Smith, Arkansas 72701

(479) 646- 8251

What is GAP insurance and why do you need it? { Rath Auto Fort Smith, Arkansas Used Car Dealer }

So what is GAP insurance and why do you need it? When you purchase and finance a vehicle, you will usually be given the option to choose GAP insurance, which stands for Guaranteed Asset Protection. This type of coverage protects you in the event that your car is totaled and you owe more than it is worth. For example, say you finance your car for 72 months, and after one year you have an accident. Your insurance company gives you an amount based on the current value of your car rather than what the value of it was when you purchased it. If the amount the insurance company gives you for your car is less than what the payoff is on the loan, normally you would be responsible for paying off the remaining balance. However, if you have GAP insurance, the issuing company covers the difference, or the gap, between what your insurance company pays and what you owe.

If you are like myself (who drives an RT Classic Challenger), you are an overly cautious driver, watching out for yourself and others. Confession time.... I have also never actually been pulled over before. So all that to say... why would an overly cautious driver who has never even been pulled over want to buy GAP insurance? To put it simply, accidents happen. Even the safest drivers have accidents, whether they were at fault or not. Weather is also a factor to consider. Unfortunately, one of the bad things about living in the River Valley is the unpredictable weather. We all remember the baseball-sized hail storm we had a few years back, the spring weather that brings trees falling on cars or even flooding, and the excessive wind/tornado damage. Your GAP insurance will protect you in these circumstances as well.
It seems that when situations confront you in a time like having a totaled car, you are paying for more than just a damaged car. You may have suffered an injury, or in the event of a storm your home may need repairs. GAP insurance usually costs no more than an additional $11 a month to have for the life of your loan, and it will give you peace of mind knowing that you have one less thing to pay for out of pocket.