Payday Loans in Bauxite, Arkansas

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No payday loan companies in Bauxite, AR. Consider companies in other cities:

Company nameAddressZip codePhone number
Helena National Bank 1025 US 49, Marvell, AR 72366 +1 (870) 829 - 2596
Bailey's Fast Cash 2235 US-79, Fordyce, AR 71742 +1 (870) 352 - 8024
Batesville Title Services 248 E Main St, Batesville, AR 72501 +1 (870) 793 - 5700
First National Bank 200 W Court St, Paragould, AR 72450 +1 (870) 215 - 4000
Revenue Department 107 Mountain View Rd 1, Glenwood, AR 71943 +1 (870) 356 - 3105
ATM Shell Pit Stop 100 Goodgame St, Camden, AR 71701
Union Bank Loan Department 102 W McCloy St, Monticello, AR 71655 +1 (870) 460 - 6400
US Pawn and Loan 18134 AR-5, Austin, AR 72007 +1 (501) 843 - 3632
Midland Loan Services 10809 Executive Center Dr Ste 200, Little Rock, AR 72211 +1 (501) 217 - 6000
Citizens Bank & Trust Company 200 N Hwy 71, Alma, AR 72921 +1 (479) 632 - 4145

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bauxite, AR, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Fayetteville, AR, Bad Credit Loans in Fort Smith, AR, 24-Hour Loan in Jonesboro, AR, Emergency Loan in Little Rock, AR, Payday Loan for North Little Rock, AR, Payday Loan Companies in Pine Bluff, AR, Payday Loans in Rogers, AR and Payday Loan Without a Credit Check in Sherwood, AR. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Bauxite, AR.

Payday Loans Available in Bauxite, AR By The Following ZIP Codes:

72011

Are Payday Loans Legal In Bauxite, Arkansas?

Payday Lending is Prohibited in Arkansas

Arkansas Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Bauxite, AR payday loan calculator

If you’re living in Bauxite, Arkansas, you might be tempted to consider a payday loan to cover unexpected expenses or emergencies. However, it’s important to understand that payday loans are prohibited in Arkansas and can result in grave financial consequences.

What is a Payday Loan?

A payday loan is a short-term, high-interest loan that can give borrowers access to cash in a hurry. Often due on the borrower’s next payday, these loans are usually for $500 or less, and the borrower provides a personal check written for the full amount of the loan plus interest.

If the borrower can’t repay the loan on time – typically within two weeks – they can extend their loan by paying additional fees and interest. This can result in a cycle of debt, where the borrower takes on more loans to cover previous debts, accruing more interest and fees along the way.

Payday Loans are Prohibited in Arkansas

While payday loans might seem like a fast and easy solution to financial problems, it’s critical to remember that these types of loans are illegal in Arkansas. The Arkansas Constitution caps the interest rates on loans at 17%, and payday lenders cannot operate in the state under those conditions.

Even if you’re experiencing financial hardship, it’s important to avoid payday loans and other high-interest, short-term loans – and turn to responsible lending alternatives instead.

Responsible Lending Alternatives

So what can you do if you’re in need of cash? There are many responsible lending alternatives that you can consider, including:

  • Credit unions: Credit unions offer low-interest loans to their members, even for borrowers with poor credit.
  • Credit counseling: Nonprofit credit counseling agencies can help you create a budget and negotiate with creditors.
  • 401(k) loans: If you have a 401(k) plan with your employer, you may be able to borrow from your account.
  • Personal loans: Personal loans from banks, credit unions, or online lenders are another option to consider. Shop around and compare rates and terms before making a final decision.

Interesting Facts and Statistics

  • In Arkansas, payday lenders were once able to charge up to 300% interest rates for their loans.
  • In 2008, Arkansas voters approved a ballot measure capping interest rates on loans at 17% to prevent predatory lending practices.
  • In 2015, payday lending in Arkansas was estimated to be worth $36 million in fees alone.

Apply Now

If you’re in a financial bind, TheGuaranteedLoans can help connect you with potential lenders. Keep in mind that TheGuaranteedLoans is a connector service and not a direct lender. By filling out an online application, you can get started on the path to responsible borrowing. Apply now and get connected with reputable lenders who can help you get back on track.

F.A.Q.

Can a payday loan company garnish my wages in Bauxite, Arkansas?

No, a payday loan company cannot garnish your wages in Bauxite, Arkansas because these loans are illegal in the state.

Can a payday loan company repossess my property in Bauxite, Arkansas?

No, a payday loan company cannot repossess your property in Bauxite, Arkansas because these loans are illegal in the state.