Loans in Cross County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cross County, AR.
The median household in Cross County earns $50,863 a year, 16% below the Arkansas median of $60,773. About 20% of residents live below the federal poverty line, and 32.5% of households rent their home. 14.5% of households have no home internet; our form works on any phone.
What you need for a personal loan in Cross County
Here's what to have on hand before you start your personal loan request in Cross 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 Cross County
What Cross County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Cross 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 Cross County
Banks with branches in Cross County
13 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Cross Bank | 4 | 399 Merriman Ave E, Wynne 72396 |
| First Financial Bank | 3 | 528 Merriman Ave E, Wynne 72396 |
| Evolve Bank & Trust | 2 | 123 West Parkin Ave, Parkin 72373 |
| Fidelity Bank | 2 | 1315 Highway 64, Wynne 72396 |
| First National Bank of Eastern Arkansas | 1 | 363 Union Ave E, Wynne 72396 |
| Partners Bank | 1 | 1812 Falls Blvd N, Wynne 72396 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Cross County. The nearest counties with credit unions:
Credit unions in St. Francis County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Success | 2303 N Washington St, Forrest City 72335 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Crittenden County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Hope | 1114 N Missouri St, West Memphis 72301 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Cross County?
Cross County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Cross County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Cross County?
Options include 13 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 Cross County?
Fill out our short online form from anywhere in Cross 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 Cross County with bad credit?
Yes, many lenders in our network work with Cross 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 apply for a loan online in Cross County?
Yes. You don't need to visit a branch or storefront anywhere in Cross 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 Cross County, AR?
You can apply at banks, credit unions and lenders in Cross 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 an emergency loan in Cross County?
Yes. When an unexpected bill comes up, Cross 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.