Loans in Cleburne County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cleburne County, AR.
The median household in Cleburne County earns $55,798 a year, 8% below the Arkansas median of $60,773. About 14% of residents live below the federal poverty line, and 19.4% of households rent their home. 14.2% of households have no home internet; our form works on any phone.
What you need for a personal loan in Cleburne County
Lenders that serve Cleburne 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 Cleburne County
What Cleburne County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Cleburne 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 Cleburne County
Banks with branches in Cleburne County
15 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Eagle Bank and Trust Company | 5 | 8454 Edgemont Rd, Greers Ferry 72067 |
| First Arkansas Bank and Trust | 4 | 1230 Highway 25b, Heber Springs 72543 |
| First Security Bank | 2 | 1140 Highway 25b, Heber Springs 72543 |
| Centennial Bank | 2 | 6039 Heber Springs Rd W, Quitman 72131 |
| First State Bank | 1 | 1450 Southridge Pkwy, Heber Springs 72543 |
| First National Bank | 1 | 1324 Highway 25b, Heber Springs 72543 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Cleburne County. The nearest counties with credit unions:
Credit unions in White County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Arkansas | 1000 S Main St, Searcy 72143 |
| Eaton Family | 400 E Lincoln Ave, Searcy 72143 |
| White County | 508 W Beebe Capps Expy, Searcy 72143 |
| Natural State | 901 S Main St, Searcy 72143 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Van Buren County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Barksdale | 17401 Highway 65 S, Damascus 72039 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Cleburne County?
Cleburne County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Cleburne County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Cleburne County?
Options include 15 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 Cleburne County?
Fill out our short online form from anywhere in Cleburne 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 Cleburne County?
Yes. You don't need to visit a branch or storefront anywhere in Cleburne 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.
Where can I get a loan in Cleburne County, AR?
You can apply at banks, credit unions and lenders in Cleburne 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 Cleburne 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. Cleburne County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Cleburne County with bad credit?
Yes, many lenders in our network work with Cleburne 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.