Payday Loans in Natural Dam, Arkansas

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

Company nameAddressZip codePhone number
Benefit Bank 9201 Old Hwy 71 S, Fort Smith, AR 72916
Farm Credit Midsouth 6216 US 49, Poplar Grove, AR 72374 +1 (870) 572 - 9900
Jackson Hewitt Tax Service 168 Walmart Dr, Flippin, AR 72634 +1 (870) 425 - 7994
Bank of Lockesburg 103 W Main, Lockesburg, AR 71846 +1 (870) 289 - 4071
First National Bank of Eastern Arkansas 1460 W Keiser Ave, Osceola, AR 72370 +1 (870) 622 - 0400
Merchants and Planters Bank 1621 W Beebe Capps Expy, Searcy, AR 72143 +1 (501) 278 - 5502
ColeMan Ward - Raymond James 3739 N Steele Blvd, Fayetteville, AR 72703 +1 (479) 444 - 1104
Mr Payroll 6217 US-271, Fort Smith, AR 72908 +1 (479) 646 - 3637
Usem Mena Federal Credit Union 500 Morrow St N, Mena, AR 71953 +1 (479) 394 - 8719
E Z Cash Pawn & Retail 825 N Washington St, Forrest City, AR 72335 +1 (870) 630 - 0100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Natural Dam, AR, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bentonville, AR, Payday Loans in Conway, AR, Payday Loans in Fayetteville, AR, Payday Loan Companies in Fort Smith, AR, Bad Credit Loans in Jonesboro, AR, Payday Loans in Little Rock, AR, No Credit Check Loans in North Little Rock, AR and Payday Loans 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 Natural Dam, AR.

Beautiful sights of Natural Dam, AR

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

72948

Are Payday Loans Legal In Natural Dam, 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

Natural Dam, AR payday loan calculator

Welcome to our comprehensive guide on payday loans in Natural Dam, Arkansas. While payday loans are prohibited in Arkansas, there are still many alternative ways to access the funds you need, and we’ll explore those options in this article.

What are Payday Loans?

Payday loans are a type of short-term borrowing that typically must be repaid by the borrower’s next payday. They often come at a high cost, with fees and interest rates that can exceed 400% APR, making them extremely expensive and difficult for many borrowers to repay.

Payday Loans in Natural Dam, Arkansas

It is important to note that payday loans are not legal in Arkansas. The Arkansas Constitution caps interest rates at 17%, which effectively prohibits payday lenders from operating in the state. However, there are still many other options available for consumers who need access to quick cash.

Alternative Options for Borrowers in Natural Dam, Arkansas

While payday loans are not available in Arkansas, there are still many other options available for consumers who need access to quick cash. Here are a few alternatives:

  • Credit Cards: While it may not be the most cost-effective option, using a credit card can give you access to the funds you need quickly and easily.
  • Personal Loans: Personal loans from traditional financial institutions like banks or credit unions can be a great option for borrowers who need to borrow a larger amount of money and have good credit.
  • Installment Loans: Installment loans can be a good alternative to payday loans for borrowers who need to borrow a smaller amount of money. They are repaid in fixed installments over a period of time, making them potentially easier to budget for than payday loans.
  • Friends and Family: If you have a trusted friend or family member who can lend you money, this can be a good option, particularly if you can agree on reasonable repayment terms.

Interesting Facts and Statistics

While payday loans are prohibited in Arkansas, they remain popular in many other states. According to a 2019 study by the Pew Charitable Trusts, 12 million Americans use payday loans every year.

Additionally, the Consumer Financial Protection Bureau found that the average payday loan borrower spends $520 in fees to borrow $375, often rolling over their loans multiple times and incurring additional fees.

Apply Now for Alternative Loan Options

If you are in need of a personal loan or installment loan, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, and we will facilitate your connection with lenders who may be able to offer you the financial assistance you need. Simply fill out our online application form to get started.

In conclusion, while payday loans are prohibited in Arkansas, there are still many alternative options available for borrowers in Natural Dam and beyond. Whether you choose a credit card, personal loan, installment loan, or help from friends and family, be sure to closely read the terms and conditions, understand the costs, and make an informed decision that is right for your financial situation.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Natural Dam, Arkansas?

No, you cannot be arrested for not paying back an illegal payday loan in Natural Dam, Arkansas.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Natural Dam, Arkansas?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Natural Dam, Arkansas. If you have been harassed or threatened, you can report the lender to the Arkansas State Department of Financial Services.