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Arkansas lender directory

Payday Loans in Arkansas: Rates Capped at 17%. Here Are the Legal Options

We list no payday loan stores in Arkansas, and Arkansas law caps what lenders can charge. Below is what the law says, and the licensed ways to borrow in Arkansas that we track.

What Arkansas law says

The maximum lawful rate of interest on any loan or contract other than loans by federally insured depository institutions is 17 percent a year.

Source: Ark. Const. amend. 89, § 3 · verified Oct 9, 2026

A loan to someone in Arkansas has to stay within this limit unless the lender is licensed or otherwise authorized by Arkansas law to charge more. We list no payday loan stores in Arkansas; the licensed options we track are below.

Licensed lenders in Arkansas

These types of lenders operate legally in Arkansas, each under its own rules and costs. Compare the total cost before you borrow.

If someone offers you a payday loan in Arkansas

Some lenders based in other states or online still advertise payday loans to Arkansas residents. A loan from a lender that is not licensed in Arkansas may not come with the protections that licensed lenders must give, such as cost limits and complaint rights. Before you borrow, check that the lender is licensed in Arkansas.

To report a lender or ask a question, contact the Arkansas State Bank Department (SBD).

Questions people ask

Are payday loans legal in Arkansas?

We list no payday loan stores in Arkansas. The maximum lawful rate of interest on any loan or contract other than loans by federally insured depository institutions is 17 percent a year (Ark. Const. amend. 89, § 3).

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Where the facts on this page come from, and when we last checked them.

  1. Ark. Const. amend. 89, § 3 · Interest rate cap Last verified Oct 9, 2026 · medium confidence
  2. Arkansas State Bank Department (SBD) · Licensing and complaints Date not recorded

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.