Payday Loans in State University, Arkansas

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

Company nameAddressZip codePhone number
Legacy National Bank 2904 S Walton Blvd, Bentonville, AR 72712 +1 (479) 876 - 8293
First National Bank of North Arkansas 200 E Rush Ave, Harrison, AR 72601 +1 (870) 743 - 6601
Bank OZK 2011 W Commercial St, Ozark, AR 72949 +1 (479) 667 - 3358
Arvest Bank 1360 N Center St, Lonoke, AR 72086 +1 (501) 676 - 4510
Chambers Bank 110 E Parkway Dr, Russellville, AR 72801 +1 (479) 968 - 3620
Meyer & Ward: Ward Hoda CPA 723 S Falls Blvd D, Wynne, AR 72396 +1 (870) 238 - 7971
iPawn 11108 N Rodney Parham Rd, Little Rock, AR 72212 +1 (501) 562 - 5626
ATM Shell Pit Stop 100 Goodgame St, Camden, AR 71701
Farm Credit of Western Arkansas - Bentonville 3600 SW Regional Airport Blvd Suite 16, Bentonville, AR 72712 +1 (479) 273 - 3311
Searcy Pawnbrokers & Auto Sales 2900 E Race Ave, Searcy, AR 72143 +1 (501) 268 - 2710

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in State University, AR, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Texarkana, AR, No Credit Check Loans in Benton, AR, Payday Loans in Bentonville, AR, Payday Loans in Conway, AR, Payday Loan Companies in Fayetteville, AR, Payday Loans in Fort Smith, AR, Payday Loans 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 State University, AR.

Beautiful sights of State University, AR

Are Payday Loans Legal In State University, 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

State University, AR payday loan calculator

Understanding Payday Loans in State University, Arkansas Despite Their Prohibition

For individuals residing in State University, Arkansas, a financial emergency can be an incredibly challenging experience. The need for immediate cash and the limited options available can be stressful and nerve-wracking. One option that may seem appealing is a payday loan. However, it’s crucial to understand that while payday loans are accessible in different states, they are prohibited in Arkansas.

What are Payday Loans?

A payday loan is a short-term, high-interest loan that you can get with your income and employment history. The thought behind this type of loan is that they are designed to help borrowers get the funds to cover emergency expenses before their next paycheck. These loans are typically due on the borrower’s next payday or within a few weeks.

Payday Loans in Arkansas

Payday loans are prohibited in Arkansas, and any lender caught providing such loans can face strict penalties. The Arkansas Attorney General’s office is responsible for enforcing these rules and punishing any lenders who deviate from them.

In the meantime, residents of State University are advised to explore the many other financial options available to them. For example, personal loans, title loans, and installment loans are all options that may be more sensible and beneficial.

Alternatives to Payday Loans

Personal loans: A personal loan is one option worth considering as an alternative to payday loans. These loans are typically unsecured loans that you can use for various purposes, including home improvements, debt consolidation, or medical expenses. Personal loans tend to have lower interest rates than payday loans, and their repayment terms are longer.

Title loans: Title loans are an option to consider if you have a vehicle and access to its title. With a title loan, you can use your vehicle’s title as collateral to secure a loan. While interest rates on title loans tend to be high, they are still a better option than payday loans.

Installment loans: An installment loan is a type of loan where you can borrow a lump sum of money and repay it in monthly installments at a fixed interest rate. These loans are available for various purposes, including debt consolidation, home repairs, and other uses.

Interesting Facts and Statistics about Payday Loans in State University, Arkansas

  • Payday lending is prohibited under state law in Arkansas
  • Arkansas is among the 18 states in the U.S. that do not allow payday lending
  • Despite being illegal in Arkansas, some payday lenders still operate in the state
  • The state’s constitution caps interest rates at 17% per annum, making payday lending unprofitable in the state
  • The Arkansas Attorney General’s office encourages residents to report any illegal payday lending activities

Apply Now

While payday loans are prohibited in State University, Arkansas, the TheGuaranteedLoans website is here to help connect you with potential lenders who offer other loan options. Our website offers a straightforward and hassle-free way to apply for personal loans, title loans, installment loans, and more.

Please note that TheGuaranteedLoans is not a direct lender, but a connector service. Our goal is to connect you with the right lender who can meet your specific financial needs.

To learn more about our services or apply for a loan, visit our website today!

F.A.Q.

Can I be sued for not paying back a payday loan in State University, Arkansas?

Because payday loans are illegal in State University, Arkansas, lenders cannot sue borrowers for not paying back the loan. However, borrowers may still be responsible for paying back any money they borrowed, even if the loan was illegal.

Can payday loan lenders garnish my wages in State University, Arkansas?

No, payday loan lenders cannot garnish your wages in State University, Arkansas because payday loans are illegal in the state.