Loans in Madison County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Madison County, AR.
The median household in Madison County earns $56,798 a year, 7% below the Arkansas median of $60,773. About 14% of residents live below the federal poverty line, and 20.5% of households rent their home. 11.7% of households have no home internet; our form works on any phone.
What you need for a personal loan in Madison County
Here's what to have on hand before you start your personal loan request in Madison 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 Madison County
What Madison County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Madison 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 Madison County
Banks with branches in Madison 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 |
|---|---|---|
| Today's Bank | 2 | 432 Harmony Rd, Huntsville 72740 |
| Anstaff Bank | 2 | 210 East Main Street, Huntsville 72740 |
| Arvest Bank | 2 | 104 South Hughes, Huntsville 72740 |
| Bank of 1889 | 1 | 403 W Main St, Huntsville 72740 |
| CS Bank | 1 | 270 Curtis Hutchins Way, Huntsville 72740 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Madison County. The nearest counties with credit unions:
Credit unions in Washington County
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 1780 N Crossover Rd, Fayetteville 72701 |
| Northwest Arkansas | 1460 N Woolsey Ave, Fayetteville 72703 |
| United | 6706 W Sunset Ave, Springdale 72762 |
| Uark | 50 W. Van Asche, Fayetteville 72703 |
Source: NCUA credit union branch data, June 30, 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 Madison County?
Madison County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Madison County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Madison 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 Madison County?
Fill out our short online form from anywhere in Madison 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 Madison County?
Yes. When an unexpected bill comes up, Madison 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 Madison County with bad credit?
Yes, many lenders in our network work with Madison 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.
Where can I get a loan in Madison County, AR?
You can apply at banks, credit unions and lenders in Madison 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 a loan in Madison 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. Madison County residents can start any time, and it takes about 3 minutes.