Loans in Garland County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Garland County, AR.
The median household in Garland County earns $57,181 a year, 6% below the Arkansas median of $60,773. About 16% of residents live below the federal poverty line, and 30.6% 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 Garland County
Here's what to have on hand before you start your personal loan request in Garland 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 Garland County
What Garland County borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
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 Garland 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 Garland County
Banks with branches in Garland County
48 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank OZK | 7 | 401 Section Line Rd, Hot Springs 71913 |
| Regions Bank | 6 | 302 Malvern Ave, Hot Springs 71901 |
| Arvest Bank | 6 | 2320 Malvern Ave, Hot Springs National Park 71901 |
| Relyance Bank | 4 | 4446 Central Ave, Hot Springs 71913 |
| U.S. Bank National Association | 3 | 1234 Central Ave, Hot Springs 71901 |
| Simmons Bank | 3 | 100 Werner St, Hot Springs 71913 |
| The Malvern National Bank | 3 | 548 W Grand Ave, Hot Springs 71901 |
| Southern Bancorp Bank | 3 | 4138 Central Ave, Hot Springs 71913 |
| First Security Bank | 3 | 4129 Central Ave, Hot Springs 71913 |
| Diamond Bank | 2 | 1200 Airport Rd, Hot Springs 71913 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Garland County
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Clearway | 4032 Central Ave, Hot Springs 71913 |
| Combined | 203 Nash St, Hot Springs 71913 |
| Garland County Educators | 190 Aviation Plz Ste E, Hot Springs 71913 |
| Arkansas | 3948 Central Ave Ste F, Hot Springs 71913 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Garland County
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Garland County?
Garland County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Garland County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Garland County?
Options include 48 bank and 6 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 Garland County?
Fill out our short online form from anywhere in Garland 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.
Where can I get a loan in Garland County, AR?
You can apply at banks, credit unions and lenders in Garland 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 Garland County?
Yes. When an unexpected bill comes up, Garland 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 Garland 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. Garland County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Garland County with bad credit?
Yes, many lenders in our network work with Garland 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.