Payday Loans in Rivervale, Arkansas

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

Company nameAddressZip codePhone number
Generations Bank 1120 W Washington St, Camden, AR 71701 +1 (870) 837 - 8320
First National Bank of North Arkansas 200 E Rush Ave, Harrison, AR 72601 +1 (870) 743 - 6601
Johnson Accounting Inc. 1012 W Main St, Walnut Ridge, AR 72476 +1 (870) 886 - 7519
iPawn 11108 N Rodney Parham Rd, Little Rock, AR 72212 +1 (501) 562 - 5626
Merrill Check Cashing 677 S Crawford St, Clarksville, AR 72830 +1 (479) 705 - 8787
U.S. Bank Branch 115 Highway 64 West, Alma, AR 72921 +1 (479) 632 - 4007
A M & N Federal Credit Union 1410 University Dr, Pine Bluff, AR 71601 +1 (870) 534 - 1990
Barri Agent 121 Carla Ln, Monticello, AR 71655
Wynne Pawn Shop 421 Falls Blvd S, Wynne, AR 72396 +1 (870) 208 - 8333
First Community Bank 11 Prospect Ct, Cabot, AR 72023 +1 (501) 605 - 1671

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rivervale, AR, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Fayetteville, AR, Quick Loan in Fort Smith, AR, Payday Loans in Jonesboro, AR, Payday Loans in Little Rock, AR, Payday Loans in North Little Rock, AR, Payday Loan Companies in Pine Bluff, AR, Payday Loans in Rogers, AR and Payday Loans in Sherwood, 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 Rivervale, AR.

Are Payday Loans Legal In Rivervale, 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

Rivervale, AR payday loan calculator

Payday loans are a tempting financial solution that many people turn to when dealing with unexpected expenses. However, in Rivervale, Arkansas, payday loans are prohibited by law. So, what does this mean for residents of the small town who need quick cash? Read on to learn about the laws and regulations surrounding payday loans in Rivervale, Arkansas, and what alternative financial options are available for those in need.

The Law on Payday Loans in Rivervale, Arkansas

According to Arkansas law, payday loans are illegal. This means that payday lenders cannot operate in Rivervale or any other town in the state. The law was put in place to protect consumers from the high fees and interest rates associated with payday loans, which can often lead to a cycle of debt that is difficult to break free from.

While payday loans may seem like a quick fix for short-term financial needs, they often come with extremely high interest rates and fees that can add up quickly. In some cases, the interest rates can soar as high as 400%, trapping borrowers in a cycle of debt that is difficult to break free from.

Alternatives to Payday Loans

If you’re facing an unexpected expense and need quick cash, there are other options available to you aside from payday loans. Here are a few alternatives that you can consider:

  • Personal Loans: Personal loans are a great alternative to payday loans. They are offered by banks, credit unions, and online lenders, and typically have lower interest rates and longer repayment terms than payday loans. However, personal loans often require a good credit score, so if you have a low credit score, this may not be a viable option for you.
  • Credit Cards: If you have a credit card, you can use it to cover unexpected or emergency expenses. While credit cards often come with high interest rates, they are still a better option than payday loans, since they offer more flexibility in terms of repayment.
  • Alternative Lenders: There are alternative lenders that offer short-term loans with lower interest rates than payday loans. These lenders may also have more flexible repayment terms, allowing you to repay the loan over a longer period of time. However, make sure to read the fine print and understand the terms and conditions before taking out a loan from an alternative lender.

Interesting Facts and Statistics About Payday Loans in Rivervale, Arkansas

  • In 2014, Arkansas Attorney General Dustin McDaniel sued Western Sky Financial and other payday lenders for violating state lending laws. The lawsuit resulted in over $50 million in refunds to consumers.
  • The average payday loan borrower takes out eight loans per year, with an average loan amount of $375 per loan.
  • In Arkansas, 22% of the population lives below the poverty line, which is higher than the national average of 13%.

Apply Now

While payday loans may not be an option for residents of Rivervale, Arkansas, TheGuaranteedLoans can help you connect with lenders who offer personal loans and other alternative financial solutions. Fill out our online application today to get started. Please note that TheGuaranteedLoans is a connector service, not a direct lender. We will facilitate your connection with potential lenders who may be able to offer you a loan that suits your needs.

Remember, when it comes to borrowing money, it’s important to understand the terms and conditions of the loan and to only borrow what you can afford to repay.

F.A.Q.

Can a payday loan company file a lawsuit against me in Rivervale, Arkansas?

No, a payday loan company cannot file a lawsuit against you in Rivervale, Arkansas because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Rivervale, Arkansas?

Yes, there are federal laws that apply to payday loans in Rivervale, Arkansas, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.