Loans in Clark County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clark County, AR.
The median household in Clark County earns $52,034 a year, 14% below the Arkansas median of $60,773. About 22% of residents live below the federal poverty line, and 35.0% of households rent their home. 12.1% of households have no home internet; our form works on any phone.
What you need for a personal loan in Clark County
Most Clark 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 Clark County
What Clark County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Clark 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 Clark County
Banks with branches in Clark County
12 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Southern Bancorp Bank | 3 | 601 Main St, Arkadelphia 71923 |
| Bank OZK | 2 | 409 Main St, Arkadelphia 71923 |
| Bank of Delight | 2 | 600 E Smith St, Gurdon 71743 |
| Regions Bank | 1 | 506 Main St, Arkadelphia 71923 |
| Chambers Bank | 1 | 111 W Thompson St, Amity 71921 |
| U.S. Bank National Association | 1 | 2701 Pine St, Arkadelphia 71923 |
| First State Bank | 1 | 100 E Main St, Gurdon 71743 |
| The Citizens Bank | 1 | 2710 Pine St, Arkadelphia 71923 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clark County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Patterson | 124 Wp Malone Dr, Arkadelphia 71923 |
| Two Rivers | 204 N 10Th St, Arkadelphia 71923 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Clark County
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Clark County?
Clark County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Clark County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Clark County?
Options include 12 bank and 3 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 Clark County?
Fill out our short online form from anywhere in Clark 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 apply for a loan online in Clark County?
Yes. You don't need to visit a branch or storefront anywhere in Clark 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 an emergency loan in Clark County?
Yes. When an unexpected bill comes up, Clark 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 Clark 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. Clark County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Clark County, AR?
You can apply at banks, credit unions and lenders in Clark 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.