Loans in Hempstead County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hempstead County, AR.
The median household in Hempstead County earns $46,787 a year, 23% below the Arkansas median of $60,773. About 20% of residents live below the federal poverty line, and 28.3% of households rent their home. 18.5% of households have no home internet; our form works on any phone.
What you need for a personal loan in Hempstead County
Here's what to have on hand before you start your personal loan request in Hempstead 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 Hempstead County
What Hempstead County borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Hempstead 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 Hempstead County
Banks with branches in Hempstead County
7 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Farmers Bank & Trust Company | 2 | 201 E 3rd St, Hope 71801 |
| The Huntington National Bank | 1 | 200 S Elm St, Hope 71801 |
| Bank OZK | 1 | 600 S Main St, Hope 71801 |
| Diamond Bank | 1 | 400 S Main St, Hope 71801 |
| The First National Bank of Tom Bean | 1 | 301 N Hervey St, Hope 71801 |
| Bank of Delight | 1 | 1303 N Hervey St, Hope 71801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Hempstead County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Red River Employees | 1513 N Hervey St, Hope 71801 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Hempstead County?
Hempstead County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Hempstead County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Hempstead County?
Options include 7 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 Hempstead County?
Fill out our short online form from anywhere in Hempstead 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 Hempstead County?
Yes. You don't need to visit a branch or storefront anywhere in Hempstead 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 Hempstead County?
Yes. When an unexpected bill comes up, Hempstead 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 Hempstead 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. Hempstead County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Hempstead County with bad credit?
Yes, many lenders in our network work with Hempstead 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.