Loans in Scott County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Scott County, AR.
The median household in Scott County earns $43,270 a year, 29% below the Arkansas median of $60,773. About 19% of residents live below the federal poverty line, and 21.9% of households rent their home. 19.3% of households have no home internet; our form works on any phone.
What you need for a personal loan in Scott County
Here's what to have on hand before you start your personal loan request in Scott 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 Scott County
What Scott County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Scott 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 Scott County
Banks with branches in Scott County
4 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Chambers Bank | 1 | 418 S Main St, Waldron 72958 |
| Arvest Bank | 1 | 181 Highway 71 Byp S, Waldron 72958 |
| Union Bank | 1 | 934 W 2nd St, Waldron 72958 |
| Farmers Bank | 1 | 106 Huntington Ave, Mansfield 72944 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Scott County. The nearest counties with credit unions:
Credit unions in Sebastian County
9 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| United | 8900 Jenny Lind Rd, Fort Smith 72908 |
| Arkansas | 7887 Phoenix Ave, Fort Smith 72903 |
| Red River Employees | 4300 Rogers Ave, Fort Smith 72903 |
| Multi-States | 7301 Rogers Ave, Fort Smith 72903 |
| Arkansas Best | 3501 Old Greenwood Rd, Fort Smith 72903 |
| Baptist Health | 1001 Towson Ave, Fort Smith 72901 |
| River Town | 1001 S 21St St, Fort Smith 72901 |
| Fort Smith Teachers | 5501 Euper Ln, Fort Smith 72903 |
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 Scott County?
Scott County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Scott County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Scott County?
Options include 4 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 Scott County?
Fill out our short online form from anywhere in Scott 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 apply for a loan online in Scott County?
Yes. You don't need to visit a branch or storefront anywhere in Scott 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 Scott 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. Scott County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Scott County?
Yes. When an unexpected bill comes up, Scott 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.
Where can I get a loan in Scott County, AR?
You can apply at banks, credit unions and lenders in Scott 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.