Loans in Polk County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Polk County, AR.
The median household in Polk County earns $49,191 a year, 19% below the Arkansas median of $60,773. About 16% of residents live below the federal poverty line, and 21.1% of households rent their home. 18.7% of households have no home internet; our form works on any phone.
What you need for a personal loan in Polk County
Most Polk 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 Polk County
What Polk County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Polk 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 Polk County
Banks with branches in Polk County
7 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Union Bank | 3 | 303 Highway 71 N, Mena 71953 |
| First Financial Bank | 1 | 600 Highway 71 S, Mena 71953 |
| Diamond Bank | 1 | 203 Highway 71 N, Mena 71953 |
| Chambers Bank | 1 | 300 Highway 71 S, Mena 71953 |
| Arvest Bank | 1 | 1608 Highway 71 N, Mena 71953 |
Source: FDIC BankFind Suite, retrieved Oct 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 Polk County?
Polk County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Polk County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Polk County?
Options include 7 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 Polk County?
Fill out our short online form from anywhere in Polk 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 Polk 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. Polk County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Polk County with bad credit?
Yes, many lenders in our network work with Polk 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 Polk County?
Yes. You don't need to visit a branch or storefront anywhere in Polk 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 Polk County?
Yes. When an unexpected bill comes up, Polk 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.