Payday loans in Arkansas: what the law allows

No. Arkansas doesn't allow payday loans at typical payday costs. Arkansas doesn't allow car title loans at typical title loan costs.

Arkansas

Payday loans

Not allowed

Car title loans

Not allowed

“Though all storefront payday loan operations in Arkansas have been shut down, these usurious loans are still available on the internet.”

Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.

Before you borrow

A payment plan, a paycheck advance or a credit union payday alternative loan usually costs less than a payday or title loan.

Already behind on a payday loan?

See every way out of the debt you have, including options nobody sells.

The fee, the APR and what renewing the loan adds up to.

Credit union PAL limits, payment and cost next to a payday loan.

Every way to cover a shortfall, priced in dollars, cheapest first.

The warning signs of a fake loan offer, checked one by one.

Are payday loans legal in Arkansas?

No. Arkansas doesn't allow payday loans at typical payday costs.

Are car title loans legal in Arkansas?

Arkansas doesn't allow car title loans at typical title loan costs.

How do I check a lender's license in Arkansas?

Look the lender up with Arkansas Attorney General, Consumer Protection Division, which licenses lenders in Arkansas.

Do these rules protect service members?

Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.

Information, not legal advice. Laws change; confirm with the state regulator.