Car title loans in Arkansas: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Arkansas title loan rules at a glance
| Governing law | Arkansas Constitution, Amendment 89 (Ark. Const. amend. 89, §§ 3, 6(b)) |
|---|---|
| Rate / fee cap | 17% per year. (Ark. Const. amend. 89, § 3) |
Your options in Arkansas
Payday loans aren't offered by state-licensed lenders here, but you can still request a personal installment loan of $100 to $5,000 through our form. Installment loans spread repayment over several months, so each payment is smaller. See Arkansas personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Louisiana | Legal | — |
| Mississippi | Legal | A title pledge on any single vehicle title may not exceed $2,500. |
| Missouri | Legal | A title lender may not make a loan over $5,000. |
| Oklahoma | Limited | — |
| Tennessee | Legal | No more than $2,500, counting other outstanding title pledge loans with the same lender on the same title. |
| Texas | Legal via CSO/CAB | — |
Personal loans by city in Arkansas
Counties in Arkansas
Show all 75 counties
Also see: Payday Loans in Arkansas · Personal Loans in Arkansas · All Arkansas loan options
Frequently asked questions
Are title loans legal in Arkansas?
The same 17% constitutional cap applies to car-title loans from non-bank lenders. Contracts above the cap are void as to principal and interest.
What interest can title lenders charge in Arkansas?
17% per year.
How much can I get for a title loan in Arkansas?
The amount depends mainly on your vehicle's value, along with your income and Arkansas rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
Can I get a title loan online in Arkansas?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Arkansas title loan request in about 3 minutes.
What do I need for a title loan in Arkansas?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Arkansas, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I refinance my title loan in Arkansas?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Arkansas rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.