Personal loans in Benton, AR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Benton, AR.
The median household in Benton earns $72,876 a year, 20% above the Arkansas median of $60,773. About 8% of residents live below the federal poverty line, and 31.8% of households rent their home.
Arkansas law that applies in Benton
| Rate cap | 17% per year on loans not made by or to governmental units or by Arkansas-headquartered federally insured depository institutions. |
|---|---|
| Loan sizes covered | The 17% limit is not tied to loan size. |
Full rules with statute citations: Personal Loans in Arkansas. Cities in Arkansas cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Benton
Most Benton 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 Benton
What Benton borrowers use it for
keep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Benton
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Benton
17 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Security Bank | 3 | 205 W Carpenter St, Benton 72015 |
| Bank OZK | 3 | 1216 Highway 35 N, Benton 72019 |
| Arvest Bank | 2 | 925 Military Rd, Benton 72015 |
| Regions Bank | 1 | 917 Military Rd, Benton 72015 |
| The Malvern National Bank | 1 | 1111 Military Rd, Benton 72015 |
| Simmons Bank | 1 | 1323 Military Rd, Benton 72015 |
| Merchants and Farmers Bank | 1 | 146 W. South Street, Benton 72015 |
| First National Bank Texas | 1 | 17309 Interstate 30 S, Benton 72015 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Benton
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Alcoa Community | 1125 Military Rd, Benton 72015 |
| Hurricane Creek | 1114 Ferguson Dr, Benton 72015 |
| Arkansas | 1114 Highway 35 N, Benton 72019 |
| Arkansas Health Center | 6701 Highway 67 Bldg 67, Benton 72015 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Saline County ·
Frequently asked questions
Can I get a personal loan with bad credit in Benton?
Possibly. Lenders in our network consider applicants with fair and bad credit across Arkansas, including Benton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Benton, AR?
17% a year maximum for non-bank lenders, set by the state constitution.
How fast can I get a personal loan in Benton?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Benton residents can see their options in about 3 minutes.
Can I get a personal loan in Benton with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Benton residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do I apply for a personal loan with bad credit in Benton?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
How do installment loans work in Benton?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Benton residents can see installment loan offers with our free 3-minute form.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Benton with our free 3-minute form.
Do I need to visit a store in Benton?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.