CashWhat Do You Need to Apply?
Here is what we ask for to verify your loan eligibility in Arkansas:
How to Get a Payday Loan in Arkansas
Applying through Cash Day USA is a quick, simple, and secure process:
Fill Out the Application
Apply online 24/7 or visit our Little Rock store on I-30. Provide your ID, Social Security number, proof of income, and bank account details. The form takes only a few minutes.
Get an Instant Decision
Your application is reviewed automatically with no hard credit check. Most applicants receive a decision in minutes, regardless of credit history.
Receive Your Funds
Once approved and signed, funds are deposited directly to your bank account — same day if approved before 10:30 AM CT on a banking day, or the next business day otherwise.
*Loans originated before 10:30 AM on weekdays are typically funded the same day. Applications after 10:30 AM or on weekends are processed on the next banking day.
Arkansas Rates & Terms
Payday loans are prohibited in Arkansas. Under Const. Art. XIX §13, all consumer loan interest rates are capped at 17%. The Arkansas Supreme Court enforced this ban in 2008 to protect borrowers from high-cost, short-term lending.
Cash Day USA offers installment loans as a legal alternative. You can borrow up to $5,000 and repay over up to 24 months in affordable monthly installments. All fees and terms are clearly disclosed before you sign.
For in-store rate details, see the Arkansas Installment Loan Fee Schedule.
How Arkansas Laws Protect You
Arkansas law and state regulations are designed to give borrowers important protections:
About Cash Day USA in Arkansas
Cash Day USA is proud to serve Arkansas residents with legal, licensed installment loan alternatives. While traditional payday loans are not available in Arkansas, our installment loans give you access to up to $5,000 with repayment terms that actually fit your budget.
Our Little Rock location on I-30 is staffed by friendly team members who understand the unique needs of Arkansas borrowers. Whether you need help covering an emergency medical bill, car repair, or utility payment, we are here to help — without the predatory terms that led to the payday loan ban.
We operate fully within Arkansas law and are licensed by the Arkansas Securities Department. Your application is processed securely with 2048-bit SSL encryption, and we never share your information with unauthorized third parties.
Get quick cash in Arkansas today!
Apply online or visit one of our Arkansas locations — it takes only minutes.
Apply Now