Loans in Clay County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clay County, AR.
The median household in Clay County earns $51,481 a year, 15% below the Arkansas median of $60,773. About 17% of residents live below the federal poverty line, and 25.3% of households rent their home. 15.6% of households have no home internet; our form works on any phone.
What you need for a personal loan in Clay County
Lenders that serve Clay 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 Clay County
What Clay County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Clay 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 Clay County
Banks with branches in Clay County
7 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fm Bank And Trust | 3 | 271 W Cherry St, Piggott 72454 |
| First National Bank | 2 | 612 N Missouri Ave, Corning 72422 |
| Centennial Bank | 1 | 801 E 9th St, Rector 72461 |
| RiverBank | 1 | 309 S Missouri Ave, Corning 72422 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Clay County. The nearest counties with credit unions:
Credit unions in Greene County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Success | 2909 Linwood Dr, Paragould 72450 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Craighead County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Arkansas | 3313 E Johnson Ave, Jonesboro 72405 |
| Success | 2704 Fair Park Blvd, Jonesboro 72401 |
| America'S First Network | 2407 Quality Way, Jonesboro 72401 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Clay County?
Clay County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Clay County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Clay 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 Clay County?
Fill out our short online form from anywhere in Clay 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 Clay 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. Clay County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Clay County with bad credit?
Yes, many lenders in our network work with Clay 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 Clay County?
Yes. When an unexpected bill comes up, Clay 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 apply for a loan online in Clay County?
Yes. You don't need to visit a branch or storefront anywhere in Clay 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.