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Not allowed in Arkansas

Payday loans are not allowed in Arkansas

Arkansas law does not allow payday loans, so there is no request form for them here. Here are other options and free help in Arkansas.

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Last updated .

Part of the Arkansas guide

Why this is not available

Arkansas law does not allow payday loans, so we show no request form. Read the law: Ark. Const. Amend. 89; former Check-Cashers Act held unconstitutional in 2008. Regulator: Arkansas Attorney General.

Payday loans in Arkansas
ProductStatusAPR capAmountTermLicenseLaw
Payday loans[1][2][3] Not allowed Not allowed Not set by statute Not set by statute Not applicable Ark. Const. Amend. 89; former Check-Cashers Act held unconstitutional in 2008
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Other options in Arkansas

Cheaper options to try first

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Arkansas.

Other loan types allowed in Arkansas

See every loan type Arkansas law allows.

Payday loans in nearby states

Sources

  1. researchgate.net/publication/305426419_The_History_of_Payday_Lending_in_Arkansas. Retrieved September 23, 2026.
  2. Justia. Ark. Const. Amend. 89, Section 3. Retrieved September 23, 2026.
  3. arkansasag.gov. Arkansas Attorney General. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Arkansas. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in Arkansas? Contact the Arkansas Attorney General or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.