Personal loans in Russellville, AR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Russellville, AR.
The median household in Russellville earns $50,877 a year, 16% below the Arkansas median of $60,773. About 21% of residents live below the federal poverty line, and 44.6% of households rent their home. 10.6% of households have no home internet; our form works on any phone.
Arkansas law that applies in Russellville
| 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 Russellville
Here's what to have on hand before you start your personal loan request in Russellville:
- 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 Russellville
What Russellville borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Russellville
- 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 Russellville
23 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank | 3 | 3103 E Main St, Russellville 72802 |
| Centennial Bank | 3 | 1222 N Arkansas Ave, Russellville 72801 |
| Arvest Bank | 3 | 121 N Elmira Ave, Russellville 72802 |
| Simmons Bank | 2 | 800 N Arkansas Ave, Russellville 72801 |
| Bank OZK | 2 | 405 W Main St, Russellville 72801 |
| Regions Bank | 2 | 1907 W Main St, Russellville 72801 |
| Chambers Bank | 2 | 110 East D Parkway, Russellville 72801 |
| Union Bank | 2 | 500 West Main, Russellville 72801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Russellville
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Arkansas | 1815 E Main St, Russellville 72801 |
| Telcoe | 1714 E Main St, Russellville 72801 |
| Riverland | 1448 Ar-333, Russellville 72802 |
| Priority | 430 N Hampton Ave, Russellville 72802 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Pope County ·
Frequently asked questions
Can I get a personal loan with bad credit in Russellville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Arkansas, including Russellville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Russellville, AR?
17% a year maximum for non-bank lenders, set by the state constitution.
How fast can I get a personal loan in Russellville?
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 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 Russellville borrowers who qualify.
How long does it take to get a personal loan in Russellville?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Russellville.
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 do I apply for a personal loan with bad credit in Russellville?
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 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 Russellville with our free 3-minute form.
Do I need to visit a store in Russellville?
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.