Loans in Perry County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Perry County, AR.
The median household in Perry County earns $55,764 a year, 8% below the Arkansas median of $60,773. About 14% of residents live below the federal poverty line, and 19.6% of households rent their home. 13.1% of households have no home internet; our form works on any phone.
What you need for a personal loan in Perry County
Most Perry County applicants can finish in one sitting if they have these ready:
- 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 Perry County
What Perry County borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
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 Perry 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 Perry County
Banks with branches in Perry County
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Farmers & Merchants Bank | 1 | 813 N Fourche Ave, Perryville 72126 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Perry County. The nearest counties with credit unions:
Credit unions in Saline County
8 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Alcoa Community | 1125 Military Rd, Benton 72015 |
| Hurricane Creek | 1114 Ferguson Dr, Benton 72015 |
| Arkansas | 115 Harvest Dr, Bryant 72022 |
| Arkansas Health Center | 6701 Highway 67 Bldg 67, Benton 72015 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Conway County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Arkansas Kraft Employees | 336 Highway 113, Morrilton 72110 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Perry County?
Perry County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Perry County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Perry County?
Options include 1 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 Perry County?
Fill out our short online form from anywhere in Perry 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 Perry County?
Yes. When an unexpected bill comes up, Perry 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 Perry County with bad credit?
Yes, many lenders in our network work with Perry 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 Perry County?
Yes. You don't need to visit a branch or storefront anywhere in Perry 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 a loan in Perry 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. Perry County residents can start any time, and it takes about 3 minutes.