Loans in Dallas County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dallas County, AR.
The median household in Dallas County earns $42,500 a year, 30% below the Arkansas median of $60,773. About 14% of residents live below the federal poverty line, and 27.4% of households rent their home. 23.8% of households have no home internet; our form works on any phone.
What you need for a personal loan in Dallas County
Most Dallas 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 Dallas County
What Dallas County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Dallas 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 Dallas County
Banks with branches in Dallas County
4 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| FBT Bank & Mortgage | 2 | 200 W 4th St, Fordyce 71742 |
| Riverside Bank | 1 | 103 W Main St, Sparkman 71763 |
| Relyance Bank | 1 | 610 W 4th St, Fordyce 71742 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dallas County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Timberline | 706 W 4Th St, Fordyce 71742 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Dallas County?
Dallas County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Dallas County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Dallas County?
Options include 4 bank and 1 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 Dallas County?
Fill out our short online form from anywhere in Dallas 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 Dallas County?
Yes. You don't need to visit a branch or storefront anywhere in Dallas 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 Dallas County?
Yes. When an unexpected bill comes up, Dallas 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 Dallas County with bad credit?
Yes, many lenders in our network work with Dallas 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.
Where can I get a loan in Dallas County, AR?
You can apply at banks, credit unions and lenders in Dallas 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.