Loans in Benton County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Benton County, AR.
The median household in Benton County earns $93,506 a year, 54% above the Arkansas median of $60,773. About 8% of residents live below the federal poverty line, and 33.0% of households rent their home.
What you need for a personal loan in Benton County
Most Benton County applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Benton County
What Benton County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Benton County
Payday Loans Not available
Payday lending is effectively prohibited in Arkansas by the state constitution.
Personal Loans
17% a year maximum for non-bank lenders, set by the state constitution.
Title Loans Not available
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Banks and credit unions in Benton County
Banks with branches in Benton County
111 FDIC-insured bank branches from 36 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Arvest Bank | 26 | 215 Nw A St, Bentonville 72712 |
| Grand Savings Bank | 8 | 372 Sh 59 N, Decatur 72722 |
| Bank OZK | 8 | 405 Sw 14th St, Bentonville 72712 |
| First Security Bank | 7 | 3901 W Walnut St, Rogers 72756 |
| Legacy Bank | 5 | 211 Main St Se, Gravette 72736 |
| First Western Bank | 5 | 575 Memorial Dr, Bella Vista 72714 |
| Generations Bank | 4 | 3503 S 55th St, Rogers 72758 |
| The First National Bank of Fort Smith | 4 | 801 N Dixieland Rd, Rogers 72756 |
| Centennial Bank | 4 | 101 Highway 412 E, Siloam Springs 72761 |
| Signature Bank of Arkansas | 4 | 700 Se Walton Blvd, Bentonville 72712 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Benton County
7 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 2905 S Walton Blvd, Bentonville 72712 |
| United | 2000 S Promenade Blvd Ste 103, Rogers 72758 |
| Arkansas | 2000 W Walnut St, Rogers 72756 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Benton County
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Benton County?
Benton County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Benton County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Benton County?
Options include 111 bank and 7 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Benton County?
Fill out our short online form from anywhere in Benton County. We share it with lenders in our network that serve Arkansas; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Benton County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Benton County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Benton County, AR?
You can apply at banks, credit unions and lenders in Benton County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Arkansas residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I apply for a loan online in Benton County?
Yes. You don't need to visit a branch or storefront anywhere in Benton County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Arkansas. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Benton County with bad credit?
Yes, many lenders in our network work with Benton County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.