Loans in Montgomery County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Montgomery County, AR.
The median household in Montgomery County earns $48,906 a year, 20% below the Arkansas median of $60,773. About 22% of residents live below the federal poverty line, and 19.4% of households rent their home. 17.1% of households have no home internet; our form works on any phone.
What you need for a personal loan in Montgomery County
Here's what to have on hand before you start your personal loan request in Montgomery 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 Montgomery County
What Montgomery County borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
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 Montgomery 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 Montgomery County
Banks with branches in Montgomery 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 |
|---|---|---|
| Farmers Bank & Trust Company | 1 | 221 S George St, Mount Ida 71957 |
| Diamond Bank | 1 | 605 Highway 270 E, Mount Ida 71957 |
| Southern Bancorp Bank | 1 | 506 Highway 270 E, Mount Ida 71957 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Montgomery County. The nearest counties with credit unions:
Credit unions in Garland County
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Clearway | 4032 Central Ave, Hot Springs 71913 |
| Combined | 203 Nash St, Hot Springs 71913 |
| Garland County Educators | 190 Aviation Plz Ste E, Hot Springs 71913 |
| Arkansas | 3948 Central Ave Ste F, Hot Springs 71913 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Polk County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Usem Mena | 500 Morrow St N, Mena 71953 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Montgomery County?
Montgomery County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Montgomery County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Montgomery 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 Montgomery County?
Fill out our short online form from anywhere in Montgomery 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 Montgomery County?
Yes. When an unexpected bill comes up, Montgomery 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 Montgomery 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. Montgomery County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Montgomery County with bad credit?
Yes, many lenders in our network work with Montgomery 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 Montgomery County?
Yes. You don't need to visit a branch or storefront anywhere in Montgomery 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.