Loans in Washington County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Washington County, AR.
The median household in Washington County earns $70,639 a year, 16% above the Arkansas median of $60,773. About 15% of residents live below the federal poverty line, and 44.4% of households rent their home.
What you need for a personal loan in Washington County
Lenders that serve Washington County typically ask for the following:
- 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 Washington County
What Washington County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Washington 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 Washington County
Banks with branches in Washington County
105 FDIC-insured bank branches from 34 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Arvest Bank | 20 | 75 N East Ave, Fayetteville 72701 |
| First Security Bank | 12 | 100 W Emma Ave, Springdale 72764 |
| The Farmers & Merchants Bank | 6 | 1 S Block Ave, Fayetteville 72701 |
| Simmons Bank | 5 | 117 Boyer Ave, Lincoln 72744 |
| Legacy Bank | 5 | 4055 W Sunset Ave, Springdale 72762 |
| Bank OZK | 5 | 2060 N Crossover Rd, Fayetteville 72703 |
| Centennial Bank | 4 | 786 E Henri De Tonti Blvd, Tontitown 72762 |
| Signature Bank of Arkansas | 3 | 3878 N Crossover Rd, Fayetteville 72703 |
| Chambers Bank | 3 | 1685 E Joyce Blvd, Fayetteville 72703 |
| United Bank | 3 | 2600 S Thompson St, Springdale 72764 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Washington County
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 1780 N Crossover Rd, Fayetteville 72701 |
| Northwest Arkansas | 1460 N Woolsey Ave, Fayetteville 72703 |
| United | 6706 W Sunset Ave, Springdale 72762 |
| Uark | 50 W. Van Asche, Fayetteville 72703 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Washington County
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Washington County?
Washington County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Washington County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Washington County?
Options include 105 bank and 7 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 Washington County?
Fill out our short online form from anywhere in Washington 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.
Where can I get a loan in Washington County, AR?
You can apply at banks, credit unions and lenders in Washington 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 Washington 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. Washington County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Washington County with bad credit?
Yes, many lenders in our network work with Washington 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 Washington County?
Yes. You don't need to visit a branch or storefront anywhere in Washington 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.