Loans in Lonoke County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lonoke County, AR.
The median household in Lonoke County earns $72,828 a year, 20% above the Arkansas median of $60,773. About 10% of residents live below the federal poverty line, and 25.0% of households rent their home.
What you need for a personal loan in Lonoke County
Here's what to have on hand before you start your personal loan request in Lonoke 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 Lonoke County
What Lonoke County borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Lonoke 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 Lonoke County
Banks with branches in Lonoke County
31 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Centennial Bank | 5 | 300 W Main St, Cabot 72023 |
| Bank of England | 5 | 123 S Main St, England 72046 |
| First Arkansas Bank and Trust | 4 | 3166 Highway 367 S, Cabot 72023 |
| First State Bank | 3 | 101 S Center St, Lonoke 72086 |
| First Security Bank | 3 | 205 W Pine St, Cabot 72023 |
| Bank OZK | 2 | 303 E Front St, Lonoke 72086 |
| First Community Bank | 2 | 3084 Bill Foster Memorial Hwy, Cabot 72023 |
| The Huntington National Bank | 1 | 118 N Court St, Carlisle 72024 |
| Regions Bank | 1 | 106 S 2nd St, Cabot 72023 |
| Arvest Bank | 1 | 510 W Main St, Cabot 72023 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lonoke County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Arkansas | 100 S Rockwood Dr, Cabot 72023 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lonoke County
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Lonoke County?
Lonoke County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Lonoke County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Lonoke County?
Options include 31 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 Lonoke County?
Fill out our short online form from anywhere in Lonoke 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 Lonoke County?
Yes. When an unexpected bill comes up, Lonoke 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 Lonoke County with bad credit?
Yes, many lenders in our network work with Lonoke 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 Lonoke County?
Yes. You don't need to visit a branch or storefront anywhere in Lonoke 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 Lonoke County, AR?
You can apply at banks, credit unions and lenders in Lonoke 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.