Personal loans in North Little Rock, AR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for North Little Rock, AR.
The median household in North Little Rock earns $52,707 a year, 13% below the Arkansas median of $60,773. About 20% of residents live below the federal poverty line, and 55.4% of households rent their home. 10.6% of households have no home internet; our form works on any phone.
Arkansas law that applies in North 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 North Little Rock
Most North Little Rock 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 North Little Rock
What North Little Rock borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in North 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 North Little Rock
31 FDIC-insured bank branches from 15 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Centennial Bank | 5 | 2716 Lakewood Village Pl, North Little Rock 72116 |
| U.S. Bank National Association | 3 | 1 Riverfront Pl, North Little Rock 72114 |
| Arvest Bank | 3 | 4004 Mccain Blvd, North Little Rock 72116 |
| Bank OZK | 3 | 4846 N Hills Blvd, North Little Rock 72116 |
| Bank of England | 2 | 11044 Highway 165, North Little Rock 72117 |
| Bank of America, National Association | 2 | 2421 Mccain Blvd, North Little Rock 72116 |
| Eagle Bank and Trust Company | 2 | 7311 N Hills Blvd, North Little Rock 72116 |
| Simmons Bank | 2 | 3901 Camp Robinson Rd, North Little Rock 72118 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in North Little Rock
12 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Truservice Community | 4140 John F Kennedy Blvd, North Little Rock 72116 |
| Arkansas | 4848 N Hills Blvd, North Little Rock 72116 |
| Up | 1501 Pike Ave, North Little Rock 72114 |
| Pba | 6929 John F Kennedy Blvd, North Little Rock 72116 |
| Fort Roots | 2200 Fort Roots Dr Bldg 170, North Little Rock 72114 |
| U.P. Employees | 1000 W 4Th St, North Little Rock 72114 |
| North Little Rock Educators | 2525 Main St, North Little Rock 72114 |
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 North Little Rock?
Possibly. Lenders in our network consider applicants with fair and bad credit across Arkansas, including North 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 North 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 North 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.
How do installment loans work in North 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. North Little Rock residents can see installment loan offers with our free 3-minute form.
How can I get an emergency loan in North 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.
Can I get a personal loan in North Little Rock 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. North Little Rock residents can see if they qualify for $100 to $5,000 in 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 North Little Rock borrowers who qualify.
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.
Do I need to visit a store in North 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.