Loans in Johnson County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Johnson County, AR.
The median household in Johnson County earns $45,995 a year, 24% below the Arkansas median of $60,773. About 20% of residents live below the federal poverty line, and 25.9% of households rent their home. 22.7% of households have no home internet; our form works on any phone.
What you need for a personal loan in Johnson County
Lenders that serve Johnson 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 Johnson County
What Johnson County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Johnson 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 Johnson County
Banks with branches in Johnson County
9 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Security Bank | 3 | 115 N Cravens St, Clarksville 72830 |
| Regions Bank | 1 | 115 S Cravens St, Clarksville 72830 |
| Simmons Bank | 1 | 1100 S Rogers St, Clarksville 72830 |
| Bank OZK | 1 | 1144 S Rogers St, Clarksville 72830 |
| Centennial Bank | 1 | 1000 S Rogers St, Clarksville 72830 |
| Arvest Bank | 1 | 1107 S Rogers St, Clarksville 72830 |
| Union Bank | 1 | 1320 W Main St, Clarksville 72830 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Johnson County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Arkansas | 1010 W Main St, Clarksville 72830 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Johnson County?
Johnson County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Johnson County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Johnson County?
Options include 9 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 Johnson County?
Fill out our short online form from anywhere in Johnson 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 get a loan in Johnson County with bad credit?
Yes, many lenders in our network work with Johnson 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 Johnson County?
Yes. When an unexpected bill comes up, Johnson 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.
Where can I get a loan in Johnson County, AR?
You can apply at banks, credit unions and lenders in Johnson 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 apply for a loan online in Johnson County?
Yes. You don't need to visit a branch or storefront anywhere in Johnson 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.