Loans in Lincoln County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lincoln County, AR.
The median household in Lincoln County earns $51,778 a year, 15% below the Arkansas median of $60,773. About 15% of residents live below the federal poverty line, and 23.9% of households rent their home. 19.0% of households have no home internet; our form works on any phone.
What you need for a personal loan in Lincoln County
Lenders that serve Lincoln 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 Lincoln County
What Lincoln County borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Lincoln 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 Lincoln County
Banks with branches in Lincoln County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Connect Bank | 1 | 116 N Lincoln Ave, Star City 71667 |
| Simmons Bank | 1 | 300 N Lincoln Ave, Star City 71667 |
| Relyance Bank | 1 | 102 S Lincoln Ave, Star City 71667 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Lincoln County. The nearest counties with credit unions:
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.
Credit unions in Drew County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Arkansas Superior | 1090 Old Warren Rd, Monticello 71655 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Lincoln County?
Lincoln County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Lincoln County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Lincoln County?
Options include 3 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 Lincoln County?
Fill out our short online form from anywhere in Lincoln 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 Lincoln 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. Lincoln County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Lincoln County?
Yes. You don't need to visit a branch or storefront anywhere in Lincoln 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 Lincoln County?
Yes. When an unexpected bill comes up, Lincoln 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 Lincoln County with bad credit?
Yes, many lenders in our network work with Lincoln 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.