Top 10 Best Near Me Payday Loans in Arkadelphia, Arkansas (2025) with Comparison Chart and Eligibility Criteria
- Published on -
- Written By - Tony Dorman
- Reviewed By - Zack M. Disette
Individuals who need ready access to cash can utilize payday loans. In Arkadelphia, there are a number of lenders who provide payday and alternative loans, as well as installment loans. Note, however, that dic limits Arkansas’ payday lending controls dictate the number of loans
that can be issued in the state. This post combines feedback and offers from the leading lenders in 2025.
Disclaimer: Regulations may limit the mechanisms of Arkansas payday loans within state boundaries. APRs correspond to fees computed as check cashing services. Always consult lenders directly for specific terms and consider alternatives such as credit union PALs for better rates.
Comparison Chart
1. U.S. Bank Branch
- Services: Payday, installment, and title loans.
- -Features: Applications can be filed in person or online and funds are available the same day.
- -Website: usbank.com
- -Ratings: 4.0/5★
- -Comment: “Fast service, but very high rates.”
- -Hours: Mon-Fri 9 AM – 6 PM, Sat 9 AM – 12 PM
- -Location: 2701 Pine St Arkadelphia, AR 71923
- -Amenities: Clients can open accounts online and make payments using various methods.
- -Loan Range: $100 – $1,000
- -APR: Up to 390%
- -Approval Time: Same day.
- -Loan Period: 14 Days
2. 1F Cash Advance
- Services: Tailored payday loans, title loans, and check cashing services.
- -Features: Adaptable conditions for loans and longer business hours.
- -Webpage: checkintocash.com
- -Ratings: 3.8/5★
- -Comment: Somewhat expensive, but the staff were very helpful.
- -Hours: Mon-Sat 8 AM – 8 PM
- -Location: 456 Walnut Street Arkadelphia, AR
- -Amenities: Clients can apply over the internet and at the kiosks located in the store.
- -Loans Range: $50 – $1500
- -APR: Up to 350%
- Deadline for Approval: 24 hours.
- Loan Duration: Maximum 30 days.
3. ACE Cash Express
- Services: Cash advance, prepaid debit accounts, payment services, check cashing.
- Features: No credit history review, immediate funding.
- Website: acecashexpress.com
- Ratings: 3.9/5 ★
- Reviews: “Easy to use but expensive.”
- Hours: Monday – Friday 8 A.M. – 7 P.M. Saturday 9 A.M. – 5 P.M.
- Address: 6416 Colonel Glenn Rd Little Rock, AR 72204
- Amenities: Mobile application, pioneered support.
- Loan Range: $100–$2,000.
- APR: Up to 400%
- Approval Duration: 1 hour.
- Loan Period: 14–30 days.
4. Bank OZK
- Services: Mortgage services , cash advance, title loans, installment loans.
- Features: Quick funding online, available anytime and anywhere.
- Ratings: 4.1/5 ★
- Reviews: “Always fast service, though expensive.”
- Hours: Mon-Fri 9 AM–6 PM, Sat 9 AM–1 PM.
- Address: 2960 Pine St Arkadelphia, AR 71923
- Amenities: A wide variety of loan types available, safe online portal.
- Loan Range: $100–$2,500.
- APR: Three hundred fifty percent.
- Time to Approval: 15 minutes.
- Loan Duration: 14-30 days.
5. Advance America
- Services: Cash advance, title loans, signature repayment plans.
- Features: Clear terms; no extra charges and offers flexible repayment terms.
- Phone : 870-246-6338
- Ratings: 3.7/5 ★
- Reviews: “Very straightforward but steep APRs.”
- Hours: Mon-Fri 8 AM–6 PM, Sat 9 AM–3 PM.
- Location: 112 Wp Malone Drive Arkadelphia AR, 71923
- Amenities: same day funding, online management.
- Loan Range: $200 to $1,500.
- APR: Up to 375%.
- Approval Time: Same day.
- Loan Period: 14 days.
6. Money Talks
- Services: cash advance center, payday loans, money orders.
- Features: automatically accepts bad credit.
- Phone : 870-246-2672
- Ratings: 3.5/5 ★
- Reviews: “Quickest way to get cash, but rates are really high.”
- Hours: Mon-Fri 10AM-5PM, Sat 10AM-2PM
- Location: 1400 Pine Street Arkadelphia AR, 71923
- Amenities: bilingual, secured transactions.
- Loan Range: $100 to $1,000.
- APR: Up to 400%
- Approval Time: Immediate.
- Loan Period: 14 days.
7. Arkadelphia Title & Payday Loans
- Services: payday and title loans.
- Features: locally owned, assisted service.
- Website: arkadelphialoans.com
- Boki: 4.2/5 ★
- Reviews: “The staff are nice, and they work fast.”
- Hours: Mon-Fri 9 AM-5 PM
- Location: 404 Elm St, Arkadelphia, AR
- Amenities: cash flexibility and local service.
- Loan Range: $150 to $1,200.
- APR: Up to 300%
- Approval Time: Same day.
- Loan Period: 14 – 30 days
8. Show Me Money
- Services: online payday loan, installment loan.
- Features: direct deposit, and 24/7 access.
- Phone : 870-246-4440
- Ratings: 4.0/5 ★
- Reviews: “The process was seamless, but the high APR is concerning.”
- Hours: Available online 24 hours a day.
- Location : 1301 N 10Th St Arkadelphia AR, 71923
- Amenities: Digital only, no branch.
- Loan Range: $200-$1,000.
- APR: Up to 380%.
- Approval Time: Within 1 hour.
- Loan Period: 14 to 28 days.
9. Community Choice Financial
- Services: Pay day loans, checking cashing, installment loans.
- Features: FDIC member, various branches.
- Website: communitychoicefinancial.com
- Ratings: 3.8/5 ★
- Reviews: “Somewhat trustworthy, but pricey.”
- Hours: Mon-Fri 8 AM- 7 PM, Sat 9AM- 5PM.
- Location: 505 Spruce St, Arkadelphia, Arkansas.
- Amenities: Kiosks, educational resources.
- Loan Range: $100-$2000.
- APR: Up to 370%.
- Approval Time: On the same day.
- Loan Period: 14 to 30 days.
10. 1st Franklin Financial
- Services: Personal loans, payday loans.
- Features: Low APR, Tie up with credit union.
- Website: 1ffc.com
- Ratings: 4.3/5 ★
- Reviews: “Had a good service and better rates.”
- Hours: Mon-Fri: 8:30AM-5:30PM
- Location: 606 Pine Bluff St, Arkadelphia, Arkansas.( Don’t show in maps )
- Amenities: Financial counseling, Flexible terms.
- Loan Range: $500-$5,000
- APR: 28%(PALs)
- Approval Time: 1-2 Day
- Loan Period: 6-12 months
Eligibility Requirements for a Payday Loan in Arkadelphia, Arkansas (2025)
To obtain a payday loan in Arkadelphia, Arkansas, a borrower is required to satisfy the following conditions:
- Minimum age is above 18.
- Provide a government ID.
- Proof of income is required (paystubs, bank statements or employment letters).
- Active checking account.
- Arkansas state residency.
- Valid phone number and verifiable email address.
Conclusion
Accessing payday loans may provide immediate help with a financial hurdle but they usually have a steep APR alongside a short repayment duration. Residents of Arkadelphia should consider substitutive solutions like credit union payday alternative loans (PALs), personal loans, or grants for urgent help. Always check if the lender you want to work with abides with Arkansas state regulations and gives unambiguous loan instructions.
Disclaimer
This Article is not intended to serve as financial advice. Using payday loans should only be considered in emergency situations. Before any borrower decides to take a short-term loan product, they should think of other options and speak to an financial consultant first
