Loans in St. Francis County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. Francis County, AR.
The median household in St. Francis County earns $42,574 a year, 30% below the Arkansas median of $60,773. About 28% of residents live below the federal poverty line, and 44.5% of households rent their home. 15.0% of households have no home internet; our form works on any phone.
What you need for a personal loan in St. Francis County
Most St. Francis 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 St. Francis County
What St. Francis County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
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 St. Francis 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 St. Francis County
Banks with branches in St. Francis County
11 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank of Eastern Arkansas | 7 | 101 N Washington St, Forrest City 72335 |
| Armor Bank | 2 | 715 N Washington St, Forrest City 72335 |
| Regions Bank | 1 | 321 N Rosser St, Forrest City 72335 |
| First Financial Bank | 1 | 810 N Washington St, Forrest City 72335 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in St. Francis County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Success | 2303 N Washington St, Forrest City 72335 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in St. Francis County
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in St. Francis County?
St. Francis County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in St. Francis County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in St. Francis County?
Options include 11 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 St. Francis County?
Fill out our short online form from anywhere in St. Francis 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 St. Francis County?
Yes. When an unexpected bill comes up, St. Francis 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 St. Francis County, AR?
You can apply at banks, credit unions and lenders in St. Francis 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 St. Francis County with bad credit?
Yes, many lenders in our network work with St. Francis 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 St. Francis County?
Yes. You don't need to visit a branch or storefront anywhere in St. Francis 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.