Personal Loans in Arkansas
Here's what fees you can expect when obtaining online personal loans in Arkansas:
| Personal loan lending status in Arkansas: |
Legal |
| Maximum loan amount in Arkansas: |
No limit |
| APR cap: |
17% (strict usury cap on all consumer loans) |
| Minimum loan term: |
1 month |
| Maximum loan term: |
No limit |
| State Regulator: |
Arkansas State Bank Department
|
Table Data Updated: May 2026.
Above you can see what fees you can expect when obtaining online personal loans in Arkansas.
Personal Loan Locations in Arkansas
ACE Cash Express
4.9★★★★☆(483 reviews)
1100 E Roosevelt Rd, Little Rock, AR 72206, USA
ACE Cash Express
4.9★★★★☆(417 reviews)
3422 Pike Ave, North Little Rock, AR 72118, USA
LoanMax Title Loans
5.0★★★★★(127 reviews)
1306 S Caraway Rd, Jonesboro, AR 72401, USA
LoanMax Title Loans
4.9★★★★☆(96 reviews)
2223 W Sunset Ave Suite A, Springdale, AR 72762, USA
Red River Credit Corporation
4.5★★★★☆(53 reviews)
106 Main St, Fort Smith, AR 72901, USA
1F Cash Advance
4.3★★★★☆(21 reviews)
7123 I-30 #46, Little Rock, AR 72209, USA
NCCL No Credit Check Loans
4.8★★★★☆(19 reviews)
115 AR-23, Huntsville, AR 72740, USA
Little Rock Payday Loans
2.0★★☆☆☆(4 reviews)
10101 Mabelvale Plaza Dr, Little Rock, AR 72209, USA
ACC Capital Inc.
3.0★★★☆☆(4 reviews)
200 River Market Ave #400, Little Rock, AR 72201, USA
Auto Car Financing Fort Smith AR
1.0★☆☆☆☆(2 reviews)
13 S 5th St, Fort Smith, AR 72901, USA
No locations found for that city. Show all
Personal loans in Arkansas are unsecured installment loans from banks, credit unions, and online lenders. Loan amounts vary widely and repay in fixed monthly installments.
Personal loans give you a lump sum upfront and a clear repayment schedule. Use the funds for almost any legal purpose – no restrictions.
Why Compare Personal Loan Lenders in Arkansas
- Compare multiple lenders at once – view real offers side by side without applying to each one separately
- No hard credit pull to compare – the matching process will not lower your credit score
- Transparent monthly payments – monthly payment, total interest, and APR clearly shown
- From good to fair credit – we work with lenders for a range of credit scores
- No fees from MaybeLoan – comparing is always free
How to Get a Personal Loan in Arkansas
Getting a personal loan in Arkansas through MaybeLoan takes just a few minutes.
- Step 1: Enter your basic information – name, address, income, and desired loan amount
- Step 2: Get matched – compare real rate offers instantly
- Step 3: Compare and choose – look at APR, monthly payments, and loan terms
- Step 4: Get funded – once approved, funds are deposited directly to your bank account
Who Qualifies
To qualify for a personal loan in Arkansas, most lenders require:
- Must be at least 18
- Legal residency in the United States
- A U.S. bank account for fund deposits
- Steady employment, self-employment, or benefits
- SSN required for identity and credit verification
Different lenders have different minimums. Prime lenders typically look for 660+. MaybeLoan works with lenders across the credit spectrum.
Personal Loan Rates in Arkansas
Your actual rate depends on your credit score, income, loan amount, and term. Those with fair credit (580-660) typically see rates of 15-30% APR.
MaybeLoan makes it easy to see multiple offers side by side so you can find the best rate available to you in Arkansas.
FAQ - Personal Loans in Arkansas
Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.
