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Compare your loan options in Little Rock, Arkansas

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If you’re thinking about getting a short-term loan, read up on state laws first.

A payday loan is often marketed as a quick way to get cash when you only need to borrow a small amount, but if you’re a resident of Little Rock, you’ll need to consider other options.

Our top pick: CashUSA Installment Loans

  • Min. Loan Amount: $500
  • Max. Loan Amount: $10,000
  • Turnaround Time: As early as 1 business day
  • Loan Term: 90 days to 72 months
  • Requirements: $1,000+ monthly income after taxes, valid checking account
  • Bad credit is OK
  • No application fee
  • Debt education resources

Our top pick: CashUSA Installment Loans

Explore its online education center to get tips on budgeting, how to prioritize your bills and more.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $10,000
  • Turnaround Time: As early as 1 business day
  • Loan Term: 90 days to 72 months
  • Requirements: $1,000+ monthly income after taxes, valid checking account
Promoted

Why can’t I get a payday loan in Little Rock?

You won’t be able to get a payday loan in Little Rock because Arkansas Code 23-52-101 et seq. was repealed in 2011. This means payday loans are illegal due to their high interest rates. Lenders both in- and out-of-state are forbidden from issuing payday loans to consumers.

You can read more about Arkansas payday loan law here

Compare installment loans available in Little Rock

Because of state usury caps, there may not be installment loan options in Arkansas. Check our table before you apply.

Updated October 21st, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$1,200
As soon as the next business day
Regular source of income received biweekly or semi-monthly, Missouri or Utah resident, checking account with automatic deposits, not a military service member
Borrow up to $1,200 — but only if you live in Missouri or Utah.
$35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
$5,000
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
$2,600
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
$50,000
Same business day to 1 business days
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
$15,000
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
$10,000
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

Compare up to 4 providers

What can I do if I need short-term credit?

There are other options out there for people who don’t have the best credit. It’s worth looking into these alternatives when you’re short on cash or have constant financial struggles.

  • Request an advance on your paycheck. You may be able to request an advance from your employer for the hours you’ve worked or will work if you have a good relationship.
  • Ask a friend or family member for help. Similarly, if you know someone who may be able to give you a little extra cash, request it. Be sure to repay it quickly, though, so you don’t develop a strained relationship.
  • Talk with community organizations. Non-profit financial cooperatives and community credit unions may have options for small loans if you meet the eligibility criteria.

We have a full list of alternatives for you here

Why are payday loans illegal in Arkansas?

Because payday lenders are known to have predatory practices and charge unaffordable interest rates, Arkansas lawmakers have decided to ban the practice altogether. The cap on interest rates is set at 17% to prevent lenders from establishing payday loan businesses.

Cash advance store locations in Little Rock, AR

Payday loan locations in Little Rock

  • ACE Cash Express. 3422 Pike Ave, North Little Rock, AR 72118
  • ACE Cash Express. 310 S Broadway St, Little Rock, AR 72201
  • Check Alert. 5020 Northshore Dr # 5, North Little Rock, AR 72118
  • E-Z Cash Advance Inc. 10101 Mabelvale Plaza Dr, Little Rock, AR 72209
  • ACE Cash Express. 1100 E Roosevelt Rd, Little Rock, AR 72206
  • ACE Cash Express. 6416 Colonel Glenn Rd, Little Rock, AR 72204
  • ACE Cash Express. 7508 Geyer Springs Rd, Little Rock, AR 72209

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