Payday Loans in Casa, Arkansas

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

Company nameAddressZip codePhone number
ACE Cash Express 6416 Colonel Glenn Rd, Little Rock, AR 72204 +1 (501) 562 - 2274
Arvest Bank 1517 Central Blvd, Bull Shoals, AR 72619 +1 (870) 445 - 4247
First National Bank 2701 E Highland Dr, Jonesboro, AR 72401 +1 (870) 974 - 9800
Bank of Little Rock Mortgage 16 Ryeland Dr C, Cabot, AR 72023 +1 (501) 843 - 3700
Arkansas Federal Credit Union 220 Skyline Dr, Conway, AR 72032 +1 (501) 982 - 1000
Lion Federal Credit Union 1580 Haynesville Hwy, El Dorado, AR 71730 +1 (870) 863 - 4335
U.S. Bank Branch 821 W Main St, Heber Springs, AR 72543 +1 (501) 362 - 8224
Bank of America with Drive-thru ATM 2150 Harkrider St, Conway, AR 72032 +1 (501) 764 - 3211
UNIFY Financial Credit Union 2905 S Walton Blvd, Bentonville, AR 72712 +1 (877) 254 - 9328
Barri Agent 103 W Dodson St, Nashville, AR 71852

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Casa, AR, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Bentonville, AR, Payday Loans in Conway, AR, Payday Loan Without a Credit Check in Fayetteville, AR, Payday Loans in Fort Smith, AR, Payday Loans in Jonesboro, AR, 24-Hour Loan in Little Rock, AR, Guaranteed Loans in North Little Rock, AR and Emergency Loan in Pine Bluff, 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 Casa, AR.

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

72025

Are Payday Loans Legal In Casa, 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

Casa, AR payday loan calculator

Understanding Payday Loans in Casa, Arkansas

When an unexpected expense arises between paychecks, many people consider taking out a payday loan to help cover the cost. However, in Casa, Arkansas, payday loans are prohibited by state law. Although it may be tempting to seek out a payday lender, it is important to understand the risks and alternatives to these types of loans.

What are payday loans?

Payday loans are short-term loans typically due on the borrower’s next payday. These loans are often associated with high fees and interest rates, making them an expensive option for borrowing money. In Arkansas, payday lenders are prohibited from charging annual percentage rates (APRs) greater than 17%.

Why are payday loans prohibited in Arkansas?

The State of Arkansas recognizes that payday loans can trap borrowers in a cycle of debt. By prohibiting these loans, the state helps protect consumers from predatory lending practices and encourages the use of other, more affordable borrowing options.

What are the risks of payday loans?

Payday loans often come with hidden fees and high interest rates that can quickly escalate into unmanageable debt. In addition, borrowers who are unable to repay their loans on time may face additional fees and penalties or even be forced to take out additional loans to cover the cost of the original loan. This can create a cycle of debt that is difficult to break free from.

What are the alternatives to payday loans?

There are several alternatives to payday loans that may be more affordable and less risky for borrowers. These include:

  • Credit union loans
  • Personal loans from banks or online lenders
  • Credit card cash advances
  • Negotiating a payment plan with creditors

Interesting Facts about Payday Loans in Casa, Arkansas

  • In 2008, the Arkansas State Supreme Court ruled that payday lending violates the state’s usury laws.
  • According to the Center for Responsible Lending, the average APR for payday loans in Arkansas was 658% in 2019.
  • In 2020, the Arkansas Attorney General’s office shut down a payday lending operation in South Carolina that had been targeting Arkansas residents.

Apply Now

While payday loans are prohibited in Casa, Arkansas, TheGuaranteedLoans can help connect you with lenders that offer alternative forms of borrowing. Apply now to get connected with trusted lenders who can help you find the right loan for your needs. Please note that TheGuaranteedLoans is a connector service and not a direct lender.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Casa, Arkansas?

No, because payday loans are illegal in Casa, Arkansas, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Casa, Arkansas?

Yes, the state of Arkansas has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.