Personal loans in Texarkana, AR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Texarkana, AR.
The median household in Texarkana earns $45,835 a year, 25% below the Arkansas median of $60,773. About 26% of residents live below the federal poverty line, and 45.3% of households rent their home.
Arkansas law that applies in Texarkana
| 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 Texarkana
Here's what to have on hand before you start your personal loan request in Texarkana:
- 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 Texarkana
What Texarkana borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Texarkana
- 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 Texarkana
15 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Commercial National Bank of Texarkana | 3 | 3204 E 9th St, Texarkana 71854 |
| Farmers Bank & Trust Company | 2 | 3601 E 9th St, Texarkana 71854 |
| Texana Bank, National Association | 2 | 502 Arkansas Blvd, Texarkana 71854 |
| The Huntington National Bank | 1 | 2200 N State Line Ave, Texarkana 71854 |
| Regions Bank | 1 | 2800 N State Line Ave, Texarkana 71854 |
| Wells Fargo Bank, National Association | 1 | 1301 Arkansas Blvd, Texarkana 71854 |
| Bank OZK | 1 | 503 Arkansas Blvd, Texarkana 71854 |
| Bank of England | 1 | 216 Olive St, Texarkana 71854 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Texarkana
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Red River Employees | 2345 Trinity Blvd, Texarkana 71854 |
| Mil-Way | 2000 Arkansas Blvd, Texarkana 71854 |
| Domino | 4437 Jefferson Ave, Texarkana 71854 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Miller County ·
Frequently asked questions
Can I get a personal loan with bad credit in Texarkana?
Possibly. Lenders in our network consider applicants with fair and bad credit across Arkansas, including Texarkana. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Texarkana, AR?
17% a year maximum for non-bank lenders, set by the state constitution.
How fast can I get a personal loan in Texarkana?
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 can I get an emergency loan in Texarkana?
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 Texarkana 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. Texarkana residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How long does it take to get a personal loan in Texarkana?
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 Texarkana.
How do installment loans work in Texarkana?
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. Texarkana residents can see installment loan offers with our free 3-minute form.
Where can I find a loan for bad credit in Texarkana?
You can apply at local banks and lenders in Texarkana, 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.
Do I need to visit a store in Texarkana?
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.