Loans in Howard County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Howard County, AR.
The median household in Howard County earns $45,603 a year, 25% below the Arkansas median of $60,773. About 22% of residents live below the federal poverty line, and 27.5% of households rent their home. 17.1% of households have no home internet; our form works on any phone.
What you need for a personal loan in Howard County
Most Howard 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 Howard County
What Howard County borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Howard 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 Howard County
Banks with branches in Howard County
7 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Diamond Bank | 3 | 301 N Main St, Nashville 71852 |
| Farmers Bank & Trust Company | 2 | 103 E 3rd St, Dierks 71833 |
| First State Bank of DeQueen | 2 | 507 Front St, Dierks 71833 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Howard County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Red River Employees | 202 W Bishop St, Nashville 71852 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Howard County?
Howard County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Howard County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Howard 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 Howard County?
Fill out our short online form from anywhere in Howard 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 Howard County?
Yes. You don't need to visit a branch or storefront anywhere in Howard 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 a loan in Howard County with bad credit?
Yes, many lenders in our network work with Howard 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 get an emergency loan in Howard County?
Yes. When an unexpected bill comes up, Howard 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 Howard 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. Howard County residents can start any time, and it takes about 3 minutes.