Payday Loans in Tucker, Arkansas

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No payday loan companies in Tucker, 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
City Cash Pawn 2787 AR-77 7, Marion, AR 72364 +1 (870) 559 - 2626
Checks Exchange 103 Hwy 71, De Queen, AR 71832 +1 (870) 642 - 5420
Commercial Bank & Trust Co 212 W Gaines St, Monticello, AR 71655 +1 (870) 367 - 6221
Clinton Tax Bookkeeping & Payroll 240 Boykin Ct, Clinton, AR 72031 +1 (501) 745 - 8239
First Security Bank 7 Wilson Farm Rd, Greenbrier, AR 72058 +1 (501) 679 - 5175
Mr Kwik Cash 603 E 1st Ave, Crossett, AR 71635 +1 (870) 364 - 5845
Bank OZK 3091 S 2nd St, Cabot, AR 72023 +1 (501) 628 - 5170
David A Winkler CPA Inc 981 Holiday Dr, Forrest City, AR 72335 +1 (870) 633 - 6825
First Security Bank 10 Bass Pro Dr, Little Rock, AR 72210 +1 (501) 217 - 4560

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Tucker, 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 Loan Without a Credit Check in Conway, AR, Payday Loans in Fayetteville, AR, Payday Loan for Fort Smith, AR, Payday Loans in Jonesboro, AR, Quick Loan in Little Rock, AR, Payday Loans in North Little Rock, AR and Payday Loan Without a Credit Check 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 Tucker, AR.

Are Payday Loans Legal In Tucker, 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

Tucker, AR payday loan calculator

Understanding Payday Loans in Tucker, Arkansas

Payday loans are small-dollar loans that are usually due on the borrower’s next payday. They are designed to help cover unexpected expenses or bridge the gap between paychecks. However, in Tucker, Arkansas, payday loans are prohibited by law. This means that it is illegal for lenders to offer payday loans to consumers in this state.

While payday loans can be a useful financial tool for some individuals in need of quick cash, they can also be risky and lead to a cycle of debt. In states where payday lending is legal, borrowers often find themselves in a difficult position when they cannot repay the loan on time and end up taking out another loan to cover the original loan, along with additional fees and interest rates.

The Legality of Payday Loans in Tucker, Arkansas

In 2008, the state of Arkansas passed a law that effectively banned payday lending in the state. The Arkansas Constitution caps interest rates at 17 percent and prohibits loans with interest rates exceeding that amount. This cap applies to all loans, including payday loans.

The Arkansas Attorney General’s office has been vigilant in enforcing the state’s usury laws and has taken legal action against unscrupulous lenders who attempt to offer payday loans in the state. There are no legal payday loan stores in Tucker, Arkansas, and consumers should be wary of any lenders who claim to offer these loans.

What Are The Alternatives To Payday Loans in Tucker, Arkansas?

While payday loans are prohibited in Tucker, Arkansas, there are still options available for consumers who need financial assistance. Here are a few alternatives:

  • Personal Loans: Personal loans are installment loans that are often used to cover unexpected expenses or consolidate debt. They are offered by banks, credit unions, and online lenders and typically have lower interest rates than payday loans.
  • Credit Cards: If you have access to a credit card, this may be a good option for covering unexpected expenses. However, be sure to only use the credit card for necessary expenses and make sure to pay off the balance as soon as possible to avoid accruing high interest charges.
  • Negotiate Payment Plans: Many lenders are willing to work with borrowers to set up payment plans or extend the loan term in cases of financial hardship. If you are struggling to repay a loan, reach out to your lender to see if there are any alternative repayment options available.

Interesting Facts About Payday Loans in Tucker, Arkansas

  • In the United States, 12 million people take out payday loans each year.
  • The average payday loan borrower takes out eight loans per year and spends $520 on interest and fees alone.
  • In Arkansas, payday lenders attempted to circumvent the state’s usury laws by partnering with out-of-state banks. However, the Arkansas Supreme Court ruled in 2010 that this practice was illegal.

Apply Now for a Loan on TheGuaranteedLoans

If you are in need of financial assistance in Tucker, Arkansas, be sure to explore all of your options before considering a payday loan. One option is to use a website like TheGuaranteedLoans to connect with potential lenders who can offer personal loans.

TheGuaranteedLoans is not a direct lender, but a connector service that can match you with lenders who meet your needs and preferences. To get started, fill out our simple online application form and receive a loan decision in a matter of minutes.

Remember to always borrow responsibly and understand the terms and conditions of any loan you are considering.

F.A.Q.

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

It is unlikely that a borrower would be arrested for taking out a payday loan in Tucker, 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 Tucker, Arkansas?

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