Loans in Lawrence County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lawrence County, AR.
The median household in Lawrence County earns $44,882 a year, 26% below the Arkansas median of $60,773. About 20% of residents live below the federal poverty line, and 33.4% of households rent their home. 10.7% of households have no home internet; our form works on any phone.
What you need for a personal loan in Lawrence County
Here's what to have on hand before you start your personal loan request in Lawrence 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 Lawrence County
What Lawrence County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Lawrence 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 Lawrence County
Banks with branches in Lawrence County
8 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank Of Commerce | 3 | 206 W Main St, Walnut Ridge 72476 |
| Bank of Cave City | 2 | 114 W River Dr, Strawberry 72469 |
| Regions Bank | 1 | 212 W Walnut St, Walnut Ridge 72476 |
| First Horizon Bank | 1 | 121 Sw 3rd St, Walnut Ridge 72476 |
| The Citizens Bank | 1 | 103 W 3rd St, Imboden 72434 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Lawrence County. The nearest counties with credit unions:
Credit unions in Craighead County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Arkansas | 3313 E Johnson Ave, Jonesboro 72405 |
| Success | 2704 Fair Park Blvd, Jonesboro 72401 |
| America'S First Network | 2407 Quality Way, Jonesboro 72401 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Greene County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Success | 2909 Linwood Dr, Paragould 72450 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Lawrence County?
Lawrence County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Lawrence County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Lawrence County?
Options include 8 bank 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 Lawrence County?
Fill out our short online form from anywhere in Lawrence 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 an emergency loan in Lawrence County?
Yes. When an unexpected bill comes up, Lawrence 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 Lawrence County with bad credit?
Yes, many lenders in our network work with Lawrence 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 apply for a loan online in Lawrence County?
Yes. You don't need to visit a branch or storefront anywhere in Lawrence 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.
Where can I get a loan in Lawrence County, AR?
You can apply at banks, credit unions and lenders in Lawrence 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.