Personal loans in Little Rock, AR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Little Rock, AR.
The median household in Little Rock earns $63,003 a year, about the same as the Arkansas median of $60,773. About 18% of residents live below the federal poverty line, and 46.5% of households rent their home.
Arkansas law that applies in Little Rock
| 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 Little Rock
Lenders that serve Little Rock 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 Little Rock
What Little Rock borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Little Rock
- 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 Little Rock
130 FDIC-insured bank branches from 34 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Simmons Bank | 13 | 425 W Capitol Ave, Little Rock 72201 |
| Bank OZK | 12 | 18000 Cantrell Rd, Little Rock 72223 |
| Regions Bank | 11 | 800 S Shackleford Rd, Little Rock 72211 |
| First Security Bank | 8 | 521 President Clinton Ave, Little Rock 72201 |
| Arvest Bank | 7 | 500 Broadway St, Little Rock 72201 |
| Centennial Bank | 7 | 1301 Rebsamen Park Rd, Little Rock 72202 |
| Bank of America, National Association | 6 | 2200 N Rodney Parham Rd, Little Rock 72212 |
| First National Bank | 5 | 300 W Capitol Ave, Little Rock 72201 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Little Rock
29 credit-union locations from 17 credit unions.
| Credit union | Location |
|---|---|
| Orion | 1201 W 3Rd St, Little Rock 72201 |
| Truservice Community | 11001 Hermitage Rd, Little Rock 72211 |
| Va Hospital | 4300 W 7Th St, Little Rock 72205 |
| Arkansas | 1001 W Capitol Ave, Little Rock 72201 |
| Barksdale | 8800 Stagecoach Rd, Little Rock 72210 |
| Hope | 8411 Interstate 30, Little Rock 72209 |
| Telcoe | 820 Louisiana St, Little Rock 72201 |
| Baptist Health | 9000 Kanis Rd, Little Rock 72205 |
| Uark | 4301 W Markham St Rm G-301, Little Rock 72205 |
| Dillard'S | 1600 Cantrell Rd, Little Rock 72201 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Pulaski County ·
Frequently asked questions
Can I get a personal loan with bad credit in Little Rock?
Possibly. Lenders in our network consider applicants with fair and bad credit across Arkansas, including Little Rock. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Little Rock, AR?
17% a year maximum for non-bank lenders, set by the state constitution.
How fast can I get a personal loan in Little Rock?
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.
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 Little Rock with our free 3-minute form.
How do installment loans work in Little Rock?
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. Little Rock residents can see installment loan offers with our free 3-minute form.
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. Little Rock residents can see their options in about 3 minutes.
How can I get an emergency loan in Little Rock?
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 I apply for a personal loan with bad credit in Little Rock?
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.
Do I need to visit a store in Little Rock?
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.