Loans in Jefferson County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Jefferson County, AR.
The median household in Jefferson County earns $51,096 a year, 16% below the Arkansas median of $60,773. About 19% of residents live below the federal poverty line, and 38.2% of households rent their home. 14.8% of households have no home internet; our form works on any phone.
What you need for a personal loan in Jefferson County
Lenders that serve Jefferson County typically ask for the following:
- 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 Jefferson County
What Jefferson County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Jefferson 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 Jefferson County
Banks with branches in Jefferson County
23 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Simmons Bank | 8 | 501 S Main St, Pine Bluff 71601 |
| Relyance Bank | 7 | 8500 Sheridan Rd, White Hall 71602 |
| Connect Bank | 3 | 2401 E Harding Ave, Pine Bluff 71601 |
| FBT Bank & Mortgage | 2 | 7199 Sheridan Rd, White Hall 71602 |
| Bank of America, National Association | 1 | 2219 W 28th Ave, Pine Bluff 71603 |
| Stone Bank | 1 | 7739 Sheridan Rd, White Hall 71602 |
| FSNB, National Association | 1 | 5501 S Olive St, Pine Bluff 71603 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Jefferson County
8 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Fairfield | 206 Highway 81 N, Pine Bluff 71601 |
| Cotton Belt | 1703 River Pines Blvd, Pine Bluff 71601 |
| Pine | 5100 Jefferson Pkwy, Pine Bluff 71602 |
| Pba | 10020 Kabrich Cir Bldg 17-120, Pine Bluff 71602 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Jefferson County
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Jefferson County?
Jefferson County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Jefferson County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Jefferson County?
Options include 23 bank and 8 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 Jefferson County?
Fill out our short online form from anywhere in Jefferson 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 Jefferson County, AR?
You can apply at banks, credit unions and lenders in Jefferson 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 Jefferson County?
Yes. When an unexpected bill comes up, Jefferson 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 Jefferson 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. Jefferson County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Jefferson County with bad credit?
Yes, many lenders in our network work with Jefferson 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.