Personal loans in Paragould, AR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Paragould, AR.
The median household in Paragould earns $56,980 a year, 6% below the Arkansas median of $60,773. About 18% of residents live below the federal poverty line, and 43.4% of households rent their home.
Arkansas law that applies in Paragould
| 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 Paragould
Lenders that serve Paragould 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 Paragould
What Paragould borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Paragould
- 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 Paragould
16 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank | 3 | 200 W Court St, Paragould 72450 |
| Centennial Bank | 3 | 300 W Emerson St, Paragould 72450 |
| UNICO Bank | 3 | 506 W Kings Hwy, Paragould 72450 |
| Focus Bank | 2 | 3005 W Kings Hwy, Paragould 72450 |
| Southern Bank | 1 | 1727 W Kingshighway, Paragould 72450 |
| The Huntington National Bank | 1 | 1833 Linwood Dr, Paragould 72450 |
| Regions Bank | 1 | 1512 W Court St, Paragould 72450 |
| Simmons Bank | 1 | 205 Linwood Dr, Paragould 72450 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Paragould
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Success | 2909 Linwood Dr, Paragould 72450 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Greene County ·
Frequently asked questions
Can I get a personal loan with bad credit in Paragould?
Possibly. Lenders in our network consider applicants with fair and bad credit across Arkansas, including Paragould. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Paragould, AR?
17% a year maximum for non-bank lenders, set by the state constitution.
How fast can I get a personal loan in Paragould?
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 I apply for a personal loan with bad credit in Paragould?
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.
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 Paragould 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.
How can I get an emergency loan in Paragould?
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 Paragould 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. Paragould residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Paragould?
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.