Loans in Stone County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Stone County, AR.
The median household in Stone County earns $40,943 a year, 33% below the Arkansas median of $60,773. About 19% of residents live below the federal poverty line, and 24.1% of households rent their home. 15.7% of households have no home internet; our form works on any phone.
What you need for a personal loan in Stone County
Here's what to have on hand before you start your personal loan request in Stone 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 Stone County
What Stone County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Stone 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 Stone County
Banks with branches in Stone County
8 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Centennial Bank | 2 | 121 E Main St, Mountain View 72560 |
| Stone Bank | 1 | 802 E Main St, Mountain View 72560 |
| The First National Bank of Izard County | 1 | 702 Sylamore Ave, Mountain View 72560 |
| Simmons Bank | 1 | 205 Sylamore Avenue, Mountain View 72560 |
| First Security Bank | 1 | 601 E Main St, Mountain View 72560 |
| First Service Bank | 1 | 410 Sylamore Ave, Mountain View 72560 |
| The Citizens Bank | 1 | 411 Sylamore Ave, Mountain View 72560 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Stone County. The nearest counties with credit unions:
Credit unions in Van Buren County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Barksdale | 17401 Highway 65 S, Damascus 72039 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Baxter County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Baxter | 1900 Highway 201 N, Mountain Home 72653 |
Source: NCUA credit union branch data, June 30, 2026.
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Stone County?
Stone County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Stone County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Stone County?
Options include 8 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 Stone County?
Fill out our short online form from anywhere in Stone 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 Stone County?
Yes. When an unexpected bill comes up, Stone 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 Stone County, AR?
You can apply at banks, credit unions and lenders in Stone 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 Stone County with bad credit?
Yes, many lenders in our network work with Stone 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 Stone County?
Yes. You don't need to visit a branch or storefront anywhere in Stone 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.