Loans in Carroll County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Carroll County, AR.
The median household in Carroll County earns $54,230 a year, 11% below the Arkansas median of $60,773. About 17% of residents live below the federal poverty line, and 22.5% of households rent their home. 10.4% of households have no home internet; our form works on any phone.
What you need for a personal loan in Carroll County
Here's what to have on hand before you start your personal loan request in Carroll County:
- 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 Carroll County
What Carroll County borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Carroll 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 Carroll County
Banks with branches in Carroll County
18 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of 1889 | 5 | 305 Public Sq, Berryville 72616 |
| Anstaff Bank | 5 | 100 First National Ave, Green Forest 72638 |
| CS Bank | 4 | 70 S Main St, Eureka Springs 72632 |
| Arvest Bank | 2 | 401 W Trimble Ave, Berryville 72616 |
| Equity Bank | 2 | 107 W Van Buren, Eureka Springs 72632 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Carroll County. The nearest counties with credit unions:
Credit unions in Boone County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Fedex Employees Credit Association | 2200 Forward Dr, Harrison 72601 |
Source: NCUA credit union branch data, June 30, 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.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Carroll County?
Carroll County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Carroll County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Carroll County?
Options include 18 bank 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 Carroll County?
Fill out our short online form from anywhere in Carroll 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.
Where can I get a loan in Carroll County, AR?
You can apply at banks, credit unions and lenders in Carroll 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 get a loan in Carroll County with bad credit?
Yes, many lenders in our network work with Carroll 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.
Can I get an emergency loan in Carroll County?
Yes. When an unexpected bill comes up, Carroll County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Carroll 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. Carroll County residents can start any time, and it takes about 3 minutes.