Arkansas Payday Loans

Arkansas Pay Day Loans

Arkansas is one of the stricter states in the US when it comes to payday loans. The maximum amount you can borrow is just $400 and you will have between 6 and 31 days to repay the loan plus any additional charges. The maximum finance rate you’ll pay is 10% of the total amount plus $10. The finance charge for $100 loan over 14 days ends up being $22.22 and the APR on that comes to 579%.

Due to Arkansas regulations, the only type of payday loans you can get are “check holding” loans where you post-date a check that will deposited on the date you specify.

Arkansas Pay Day Loan Laws

Maximum Loan Amount: $400

Maximum Finance Rate: 10% of the total check amount plus $10

Annual Percentage Rate For 14 Day $100 Loan: 579%

Minimum Payoff Time: 6-31 days

Extensions Allowed: 0

Top 5 Arkansas Payday Loan Companies

Ace Cash Express
acecashexpress.com/store-location/Arkansas
310 South Broadway Street
Little Rock, AR
(501) 370-9488

Ace Cash Express operates in over a dozen states across the US with four physical locations in Arkansas. You can get your typical payday loans from Ace, get prepaid debit cards and cash all types of checks from their physical offices. In addition to these services, you can get your taxes prepared and even sell old gold coins and jewelry.

Fast Cash Loans Little Rock
1560 Broadway St. #101
Little Rock, AR
(501) 371-0010
fastcashloanslittlerock.com

Fast Cash Loans Little Rock is a locally owned and operated company based in Little Rock Arkansas. This company can help you get cash between paydays that you can for any number reason. In these tough economic times it can be beneficial to have an additional resources on hand to take care of emergency medical bills, car repairs, utility bills or any other situation that requires a little extra money. As of October 2011 this company doesn’t have a functional website so you will have to call them or visit their office in person.

Mr. Payroll
3638 Midland Boulevard
Fort Smith, AR
(479) 785-3202
cashamerica.com

Mr. Payroll is part of the Cash America network of pawn shops and payday loans stores located throughout the United States. This company offers loans on merchandise, cash advances and auto equity loans which are commonly called title loans. A cash advance is the most common type of loan and is highly regulated by the state of Arkansas.Title loans may offer you more cash at a single time while you leave your car title up or collateral.

Cash Advance Planet
cashadvanceplanet.com/cash/arkansas.htm
Website Only

Cash Advance Planet isn’t so much a payday loan lender as a source to connect you with payday loan companies in your area. This website provides some statistical data about payday loan lenders and laws in the state of Arkansas and helps you find convenient lenders in your area or online. Companies like this often offer debt consolidation information and tips for how to budget paychecks in addition to listing payday loan companies.

Arkansas Cash Advance
arkansas-cash-advance.com
Website Only

Arkansas Cash Advance is part of the state-wide “Cash Advance” website network that has a different website for each state. This makes it easier to view the individual laws and regulations for each state. You can apply online and receive the money you need within 24 hours after you are matched with a local lender in your area. This company is very prolific on the internet and has good third party reviews.

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Arizona

Arizona Pay Day Loans

Arizona, like many other states in the past couple years has faced a lot of legislation when it comes to payday and title loans. These laws change greatly so we highly recommend doing a little research to find out what’s available in Arizona when the time comes to get that payday loan.

The maximum amount you can borrow on a payday loan in Arizona is the average amount of $500. Most states deem this as an amount someone should be able to pay back relatively quickly. The maximum finance rate is 15% of the total loan amount or $17.65 on every $100 you borrow. You can payback your loan in as little as 5 days or stretch it out to 30 days. Arizona allows three extensions so if you are in a particularly bad financial slump, most lenders will work something out with you.

Arizona Pay Day Loan Laws

Maximum Loan Amount: $500

Maximum Finance Rate: 15% of check amount or $17.65 on every $100 borrowed.

Annual Percentage Rate For 14 Day $100 Loan: 459%

Minimum Payoff Time: 5

Extensions Allowed: Three

Top 5 Arizona Payday Loan Companies

Instant Loan
instantloan.net/az
Headquarters
1436 N 24th Street
Mesa, Arizona 85213

Instant Loan is a company based in Arizona that matches you up with payday lenders sorted by city. You can select your city from a list of most Arizona cities and then you’re given the opportunity to apply directly on the website. This company offers around-the-clock support so if you have any questions they will answer you via telephone or e-mail right away.

Speedy Cash
7202 E. McDowell Rd
Scottsdale, AZ
(480) 945-9200
speedycash.com

Speedy Cash acts as a middleman and helps connect you with various types of payday loan lenders in your area including check-holders, signature loan companies and even title loans. This is a very versatile company and you can qualify in just a few minutes from the comfort of your home PC or mobile device.

AZ Cash N Go
azcashngo.com
Headquarters
6148 North 7th st,
Suite A
Phoenix, AZ

AZ Cash N Go is a payday loan lender that specializes in title loans. They have two branches, one in Phoenix and one in Glendale but you can chat with a representative over the phone and take all the necessary steps to apply on their website. This operates a little differently than a standard payday loan company as you’ll use your vehicle as collateral.

Allied Cash Advance
1049 North Arizona Avenue
Chandler, AZ
(480) 814-0150
alliedcash.com

Allied Cash is a very customer friendly payday loan company that originated in California in 1999 and gradually expanded its operations across many different states. They currently have over 180 stores with many located in and around Arizona’s major cities. This company operates like many short-term loan companies by offering a handful of different loan types and also being a “one stop” shop for bill paying, phone cards, wire transfers and prepaid debit cards.

Quik Cash
5060 W Bethany Home Rd # 15
Glendale, AZ
(623) 931-9500
qcholdings.com

Quik Cash is a very visible company with offices literally everywhere in the US. This company works with borrowers in a very “to the point” way and wants to get you the money you need quickly. You can usually only get normal payday loans with Quik Cash but some states also offer title loans. A benefit to Quik Cash is you usually won’t have to even leave your home to be able to secure a loan with them and get the money deposited directly into your account.

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