Loans in Chicot County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Chicot County, AR.
The median household in Chicot County earns $39,045 a year, 36% below the Arkansas median of $60,773. About 23% of residents live below the federal poverty line, and 30.8% of households rent their home. 17.6% of households have no home internet; our form works on any phone.
What you need for a personal loan in Chicot County
Lenders that serve Chicot County typically ask for the following:
- 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 Chicot County
What Chicot County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Chicot 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 Chicot County
Banks with branches in Chicot County
7 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 Lake Village | 2 | 101 Main St, Lake Village 71653 |
| Simmons Bank | 2 | 108 E Speedway St, Dermott 71638 |
| Commercial Capital Bank | 1 | 111 N Main St, Eudora 71640 |
| First Service Bank | 1 | 114 E Peddicord St, Dermott 71638 |
| Southern Bancorp Bank | 1 | 2943 S Highway 65, Eudora 71640 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Chicot County. The nearest counties with credit unions:
Credit unions in Ashley County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Barksdale | 113 Highway 165 S, Portland 71663 |
| Timberline | 1101 Main St, Crossett 71635 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Drew County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Arkansas Superior | 1090 Old Warren Rd, Monticello 71655 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Chicot County?
Chicot County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Chicot County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Chicot County?
Options include 7 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 Chicot County?
Fill out our short online form from anywhere in Chicot 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 an emergency loan in Chicot County?
Yes. When an unexpected bill comes up, Chicot 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.
Where can I get a loan in Chicot County, AR?
You can apply at banks, credit unions and lenders in Chicot 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 Chicot County?
Yes. You don't need to visit a branch or storefront anywhere in Chicot 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 Chicot County with bad credit?
Yes, many lenders in our network work with Chicot 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.