Payday Loans in Valley Springs, Arkansas

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Pennington Consulting Group 1722 N College Ave, Fayetteville, AR 72703 +1 (800) 910 - 3570
Regions Bank 318 Hester Dr, Harrison, AR 72601 +1 (870) 302 - 3110
Farm Credit of Western Arkansas - Sheridan 309 S Rock St suite d, Sheridan, AR 72150 +1 (870) 942 - 7700
ACE Cash Express 100 E Broadway Blvd St, West Memphis, AR 72301 +1 (870) 733 - 1823
KISSCapital.com 1825 E Oak St 120, Conway, AR 72032 +1 (501) 514 - 4146
Modern Woodmen of America 106 S State St, Newport, AR 72112 +1 (870) 523 - 2977
Hackett Pawn & Loan 506 N Main St, Hackett, AR 72937 +1 (479) 638 - 7011
Farm Credit of Western Arkansas - Waldron 502 Frankie Matthew Dr, Waldron, AR 72958 +1 (479) 637 - 2087
Fast Cash Pawn 2219 AR-367, Newport, AR 72112 +1 (870) 523 - 5236
National Park Medical Center 1910 Malvern Ave, Hot Springs National Park, AR 71901 +1 (501) 321 - 1000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Valley Springs, AR, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in North Little Rock, AR, Payday Loans in Pine Bluff, AR, Payday Loans in Rogers, AR, Same Day Loans in Sherwood, AR, Payday Loan Without a Credit Check in Springdale, AR, Payday Loans in Texarkana, AR, Payday Loan Companies in Benton, AR and Payday Loan Without a Credit Check in Bentonville, 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 Valley Springs, AR.

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

72682

Are Payday Loans Legal In Valley Springs, 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

Valley Springs, AR payday loan calculator

Payday Loans in Valley Springs, Arkansas: Understanding the Law and Alternatives

Payday loans can be a quick and easy solution for anyone facing an unexpected financial emergency. However, it’s important to understand the regulations and laws surrounding this type of loan before taking one out. In Arkansas, payday loans are prohibited, which means that residents of Valley Springs and other cities within the state cannot legally obtain them.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday, hence the name “payday” loans. These loans typically have high interest rates and fees, making them an expensive form of borrowing.

Payday loans are typically marketed as a way to get quick cash when you need it most. The loans are typically for small amounts ranging from a few hundred dollars to a maximum of $1,000. They are usually due within a month or less, and the borrower must pay back the entire loan plus interest and fees in one lump sum payment.

The Prohibition of Payday Loans in Arkansas

In Arkansas, the Check Cashers Act of 2009 prohibits payday lenders from charging more than 17% interest on loans. As a result, payday lending businesses have ceased to operate in the state.

While payday loans may not be available in Arkansas, there are other alternative forms of lending available to those in need of financial assistance.

Alternatives to Payday Loans in Arkansas

If you’re in need of quick cash in Valley Springs, there are alternatives to payday loans that you can consider. Some of these alternatives include:

  • Credit cards
  • Personal loans from a bank or credit union
  • Borrowing from family or friends
  • Using a cash advance from an employer
  • Selling unwanted items for quick cash

It’s important to carefully consider all of your options before taking out any loan or resorting to alternative forms of lending. Compare interest rates, fees, and repayment terms to determine which option is best suited for your needs.

Interesting Facts and Statistics about Payday Loans in Valley Springs, Arkansas

  • Payday lending is prohibited in Arkansas under the Check Cashers Act of 2009.
  • In 2016, the Arkansas Supreme Court ruled that payday lenders are not immune to state usury laws, further upholding the ban on payday lending within the state.
  • The average payday loan in the United States is $350, according to the Pew Charitable Trusts.
  • The annual interest rate on payday loans can be as high as 400% or more.

Connect with Potential Lenders Through TheGuaranteedLoans

If you’re in a financial situation where you require quick cash to help cover unexpected expenses, TheGuaranteedLoans may be able to help. As a connector service, we specialize in helping those in need of financial assistance connect with potential lenders from across the country.

Our service is fast, easy and efficient. Simply fill out our online application, and we’ll work to match you with a lender that meets your financial needs and can assist you in getting the money you require. Keep in mind that we are not a direct lender and cannot provide any guarantees regarding loan approval or the terms of any loan agreement.

The Bottom Line

While payday loans may not be available in Valley Springs or other cities in Arkansas, there are still a variety of alternative options at your disposal. Whether it’s borrowing from a friend or family member, using a cash advance from your employer, or exploring other types of lending, it’s important to carefully consider all of your options before making a decision. And, if you need help connecting with a lender, TheGuaranteedLoans is here to help you navigate those options with ease.

Apply now and get connected with lenders that will help you get the financial support you need.

F.A.Q.

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

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

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

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