Payday Loans in Cash, Arkansas

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

Company nameAddressZip codePhone number
Siloam Springs Pawn 125 E Kenwood St, Siloam Springs, AR 72761 +1 (479) 524 - 0079
LenCred 3202 NE Redhawk Dr, Bentonville, AR 72712 +1 (888) 783 - 1503
Trotter Nissan 1910 W Hillsboro St, El Dorado, AR 71730 +1 (870) 864 - 4700
Payday Pawn Inc 502 Virginia St # A, Springdale, AR 72764 +1 (479) 717 - 2699
A & B Pawn & Jewelry 2201 Alma Hwy, Van Buren, AR 72956 +1 (479) 474 - 9636
First Arkansas Bank & Trust 111 AR-321, Austin, AR 72007 +1 (501) 843 - 1940
Hog Pawn Inc 408 US-71, Mena, AR 71953 +1 (479) 394 - 6200
Union Bank Loan Department 102 W McCloy St, Monticello, AR 71655 +1 (870) 460 - 6400
Merchants and Planters Bank 120 Hazel St, Newport, AR 72112 +1 (870) 523 - 3601
Neafcu 2704 Fair Park Blvd, Jonesboro, AR 72401 +1 (870) 935 - 9336

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cash, AR, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Rogers, AR, Payday Loans in Sherwood, AR, Payday Loans in Springdale, AR, Payday Loans in Texarkana, AR, Same Day Loans in Benton, AR, Quick Loan in Bentonville, AR, Payday Loan for Conway, AR and Short-term Loans in Fayetteville, 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 Cash, AR.

Beautiful sights of Cash, AR

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

72421

Are Payday Loans Legal In Cash, 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

Cash, AR payday loan calculator

Understanding Payday Loans in Cash, Arkansas

Payday loans are short-term loans often used by individuals to bridge the gap between paychecks. They can seem like a quick and easy solution, but it’s important to understand the risks associated with these types of loans.

In Cash, Arkansas, payday loans are prohibited by state law. This means that lenders are not allowed to offer payday loans to residents of Cash, Arkansas. While this may be disappointing news for those seeking a quick loan, it’s important to recognize that these laws are in place to protect consumers from predatory lending practices.

How Payday Loans Work

Payday loans are typically used by individuals who are facing a financial emergency or unexpected expense and need to borrow a relatively small amount of money. The borrower typically writes a post-dated check to the lender for the loan amount plus fees, and the lender agrees to hold the check until the borrower’s next payday.

When the borrower’s payday arrives, the lender deposits the check to recover the loan amount and fees. If the borrower doesn’t have sufficient funds in their account to cover the check, they may incur overdraft fees and other penalties from their bank, as well as additional fees from the lender.

Protections for Consumers

While payday loans may seem like an easy solution for those facing financial difficulties, they often come with high fees and interest rates that can trap borrowers in a cycle of debt.

That’s why many states, including Arkansas, prohibit payday lending. Additionally, the Consumer Financial Protection Bureau (CFPB) has implemented regulations to curb predatory lending practices by payday lenders. These regulations include:

  • Requiring lenders to assess the borrower’s ability to repay the loan before lending money
  • Limiting the number of loans a borrower can take out each year
  • Requiring lenders to disclose the total cost of the loan, including fees and interest rates, before the borrower agrees to the loan

By applying these protections, borrowers can make informed decisions about borrowing money and avoid falling into debt traps with predatory lenders.

Interesting Facts and Statistics

While payday loans are banned in Cash, Arkansas, they are still prevalent in many other parts of the United States. Here are some interesting facts and statistics about payday lending:

  • The average payday loan is $350 with an average interest rate of 391% per year
  • 12 million Americans take out payday loans each year, spending $9 billion on loan fees
  • Payday lending is more common in states with less strict lending regulations

These statistics show the widespread use of payday lending in the United States and the need for consumer protections to prevent borrowers from falling into debt traps.

Apply Now with TheGuaranteedLoans

While payday loans are not available in Cash, Arkansas, TheGuaranteedLoans can help you find other types of loans to meet your financial needs. As a connector service, we work with a network of potential lenders to provide loan options to our customers.

Simply fill out our online application, and we’ll connect you with potential lenders who may be able to offer you a loan. Keep in mind that TheGuaranteedLoans is not a direct lender and does not make loan decisions. We’re here to help you explore your loan options and facilitate your connection with potential lenders.

Apply now to see what loan options may be available to you!

F.A.Q.

Can I be arrested for taking out a payday loan in Cash, Arkansas?

It is unlikely that a borrower would be arrested for taking out a payday loan in Cash, Arkansas, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Cash, Arkansas?

Yes, there are several resources available to help consumers avoid predatory lending in Cash, Arkansas, including the state's Consumer Financial Protection Bureau, the Arkansas State Banking Department, and the Arkansas City Department of Consumer Affairs.