Payday Loans in Gepp, Arkansas

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No payday loan companies in Gepp, 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
Fountain Financial & Tax 400 N Main St, Harrison, AR 72601 +1 (870) 741 - 0361
FedEx Employees Credit Association - AR 2200 Forward Dr, Harrison, AR 72601 +1 (800) 228 - 8513
UNIFY Financial Credit Union 1205 W Walnut St, Rogers, AR 72756 +1 (877) 254 - 9328
TruService Community Federal Credit Union 1553 Washington Ave, Conway, AR 72032 +1 (501) 225 - 3636
Relyance Bank 1501 E Harding Ave, Pine Bluff, AR 71601 +1 (870) 535 - 7222
GenWealth Financial Advisors 301 N Washington Ave suite 101, El Dorado, AR 71730 +1 (870) 875 - 1210
Connect Bank 2315 E Harding Ave, Pine Bluff, AR 71601 +1 (870) 535 - 7020
Farm Credit Midsouth 4389 W Keiser Ave, Osceola, AR 72370 +1 (870) 563 - 2676
Agheritage Farm Credit Services 2620 S Main St, Searcy, AR 72143 +1 (501) 268 - 3524

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gepp, AR, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Texarkana, AR, No Credit Check Loans in Benton, AR, Payday Loans in Bentonville, AR, Short-term Loans in Conway, AR, Bad Credit Loans in Fayetteville, AR, Online Loans in Fort Smith, AR, Payday Loan Without a Credit Check in Jonesboro, AR and Payday Loans in Little Rock, 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 Gepp, AR.

Are Payday Loans Legal In Gepp, 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

Gepp, AR payday loan calculator

Understanding Payday Loans in Gepp, Arkansas

If you are in need of quick cash in Gepp, Arkansas, you may have heard about payday loans. However, it’s important to know that payday loans are prohibited in Arkansas.

What are payday loans?

Payday loans are typically small, short-term loans that are due on the borrower’s next payday. They are usually issued in small amounts and have high interest rates. The loans are meant to be a temporary solution for those who need quick cash for unexpected expenses or emergencies. However, due to their high fees and interest rates, many borrowers find themselves caught in a cycle of debt and unable to repay the loan in full.

Why are payday loans illegal in Arkansas?

In 2008, Arkansas voters approved a ballot initiative that made payday loans illegal in the state. The law caps interest rates on loans at 17%, making it impossible for payday lenders to operate in the state. The goal of the law is to protect consumers from falling into cycles of debt.

What are the alternatives to payday loans in Gepp, Arkansas?

If you’re in need of cash in Gepp, Arkansas, there are several alternatives to payday loans:

  • Credit unions: Credit unions offer small-dollar loans with low interest rates to their members.
  • Short-term installment loans: Some lenders offer short-term installment loans with longer repayment terms and lower interest rates than payday loans.
  • Emergency assistance programs: Some nonprofits offer emergency cash assistance to those in need.
  • Credit counseling: Credit counseling agencies can work with you to create a budget and help you find ways to manage your debt without taking out a payday loan.

It’s important to explore all of your options before taking out a payday loan, as the high interest rates and fees can lead to significant financial trouble down the road.

Interesting Facts and Statistics

While payday loans are illegal in Arkansas, they are still common in other parts of the country. Here are some interesting facts and statistics about payday lending:

  • In 2019, the payday lending industry made an estimated $9 billion in fees alone.
  • The average payday loan borrower takes out eight loans per year and spends an average of $520 in fees to borrow $375.
  • Payday lenders often target low-income and minority communities.
  • According to a 2016 study, payday loan borrowers are more likely to file for bankruptcy than those who don’t use payday loans.
  • Several states have passed laws regulating payday lending or banning the practice altogether.

Apply Now

If you’re in need of cash in Gepp, Arkansas, don’t be tempted by payday loans. Instead, consider exploring the alternatives listed above. If you’re ready to explore your options, TheGuaranteedLoans can help connect you with potential lenders. Remember, we’re a connector service, not a direct lender. Start your application today.

F.A.Q.

Can I take out a payday loan online in Gepp, Arkansas?

No, even if the lender is located outside of Arkansas, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Gepp, Arkansas?

No, it is illegal to use a payday loan from another state in Gepp, Arkansas.