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Compare your loan options in Little Rock, Arkansas

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.

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 was repealed in 2011.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.

Name Product Filter Values Loan amount Turnaround time Requirements
EarnIn
Finder Score: 4.7 / 5: ★★★★★
EarnIn
Up to $750 per pay period, but only $100 per day
1 to 3 business days or instant for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$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.
Cleo
Finder Score: 4.1 / 5: ★★★★★
Cleo
Up to $250
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Sorbet
Not rated yet
Sorbet
Based on the amount of accrued PTO
2 to 5 days
18+ years of age, live in eligible state, have W2 job with salary of $30k+, have PTO days accrued
Tap your unused PTO for a cash advance so you can access that money early. Available in: CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Up to 3 business days or instant for a fee
At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $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.
Fig Loans Installment Loans
$50 to $100, varies by state
As soon as the same business day
3 months of direct deposits, $1400 per month income, positive bank account balance
Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.
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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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Written by

Aliyyah Camp

Aliyyah Camp is a SEO content strategist and former publisher at Finder, specializing in consumer and business lending. Her writing and analysis has been featured in CentSai, the Dough Roller and the Chicago Tribune. She holds a BA in communication from the University of Pennsylvania. See full profile

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