Personal loans in Bentonville, AR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bentonville, AR.
The median household in Bentonville earns $112,792 a year, 86% above the Arkansas median of $60,773. About 5% of residents live below the federal poverty line, and 49.6% of households rent their home.
Arkansas law that applies in Bentonville
| 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 Bentonville
Lenders that serve Bentonville 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 Bentonville
What Bentonville borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Bentonville
- 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 Bentonville
32 FDIC-insured bank branches from 21 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Arvest Bank | 9 | 215 Nw A St, Bentonville 72712 |
| Bank OZK | 2 | 405 Sw 14th St, Bentonville 72712 |
| First Security Bank | 2 | 2300 S Walton Blvd, Bentonville 72712 |
| Legacy Bank | 2 | 2904 S Walton Blvd, Bentonville 72712 |
| Bank of America, National Association | 1 | 808 S Walton Blvd, Bentonville 72712 |
| Regions Bank | 1 | 1409 S Walton Blvd, Bentonville 72712 |
| First Horizon Bank | 1 | 706 S Walton Blvd, Bentonville 72712 |
| BOKF, National Association | 1 | 1303 Se Walton Blvd, Bentonville 72712 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bentonville
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 2905 S Walton Blvd, Bentonville 72712 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Benton County ·
Frequently asked questions
Can I get a personal loan with bad credit in Bentonville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Arkansas, including Bentonville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Bentonville, AR?
17% a year maximum for non-bank lenders, set by the state constitution.
How fast can I get a personal loan in Bentonville?
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.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Bentonville borrowers who qualify.
Where can I find a loan for bad credit in Bentonville?
You can apply at local banks and lenders in Bentonville, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How can I get an emergency loan in Bentonville?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
How do installment loans work in Bentonville?
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. Bentonville residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Bentonville?
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.