Arkansas Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Arkansas personal loan rates range from 6.99% to 18.00% APR, verified by MonitorBankRates as of October 13, 2026. Current personal loan options available to borrowers in Arkansas include: Baxter Credit UnionBaxter Credit Union1900 Highway 201 N, Mountain Home, AR, 72653A5.0 ★Texas Ratio: 6.31% offering Personal Loan at 6.99% APR, Dillards Federal Credit UnionDillards Federal Credit Union1600 CANTRELL RD, Little Rock, AR, 72201 1110A+5.0 ★Texas Ratio: 0.16% offering Personal/Signature Loan at 7.50% APR, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS1114 N Missouri St, West Memphis, AR, 72301 2614A5.0 ★Texas Ratio: 7.78% offering Unsecured / Signature Loan at 7.50% APR, Fort Roots Federal Credit UnionFort Roots Federal Credit Union2200 Fort Roots Dr Bldg 170, North Little Rock, AR, 72114 1709A+5.0 ★Texas Ratio: 3.93% offering Signature Loans at 7.90% APR, and Alcoa Community Federal Credit UnionAlcoa Community Federal Credit Union1125 Military Rd, Benton, AR, 72015A+5.0 ★Texas Ratio: 5.26% offering Unsecured Loan at 8.00% APR. Personal loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Arkansas side-by-side. Arkansas personal loan rates currently start as low as 6.99% APR from Baxter Credit Union at 1900 Highway 201 N, Mountain Home, AR, 72653. Rates are continually updated, so we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution in Arkansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Arkansas. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: October 13, 2026
Arkansas Personal Loan Rates
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
Published APR range: 7.50% to 16.00%. Current Loan Rates; APR range
Published APR range: 7.50% - 18.00%. Maximum Amount: 20% of Gross Income - Depends on Credit Score
As Low As; Featured Rate; Annual Percentage Rate
As Low As; Membership required; APR based on creditworthiness; buy-downs available (max 0.50% consumer, 0.25% commercial)
- Sep 29, 20268.00%▲ from 7.50%
- Sep 14, 20267.50%first recorded
As Low As; Starting at 8.00%
No additional details available.
As Low As; Membership required; APR based on creditworthiness; buy-downs available (max 0.50% consumer, 0.25% commercial)
- Sep 29, 20268.50%▲ from 8.00%
- Sep 14, 20268.00%first recorded
As Low As; Amount: $200 to $10,000; Turnaround Time: same day when credit allows
No additional details available.
As Low As; APR*
- Sep 25, 20269.00%▼ from 11.00%
- Sep 14, 202611.00%first recorded
Published APR range: 9.15% - 18.00%.
- Oct 9, 20269.15%▲ from 8.80%
- Sep 14, 20268.80%first recorded
As Low As
APR* = Annual Percentage Rate; rates available to qualified borrowers, for a limited time, subject to change without notice
As Low As; Membership required; APR based on creditworthiness; buy-downs available (max 0.50% consumer, 0.25% commercial)
- Sep 29, 20269.25%▲ from 8.75%
- Sep 14, 20268.75%first recorded
No additional details available.
No additional details available.
As Low As; Loan Rates table, Annual Percentage Rate (APR)
Published rate range: 9.50% - 18.00%.
As Low As; Membership required; APR based on creditworthiness; buy-downs available (max 0.50% consumer, 0.25% commercial)
- Sep 29, 20269.80%▲ from 9.50%
- Sep 14, 20269.50%first recorded
As Low As; Loan Amount: $2000.00
APR: 9.99% and up
As Low As
APR* = Annual Percentage Rate; rates available to qualified borrowers, for a limited time, subject to change without notice
As Low As; Membership required; APR based on creditworthiness; buy-downs available (max 0.50% consumer, 0.25% commercial)
Published APR range: 10.25 - 18.00%.
APR* with approved credit
As Low As; Loan rates effective July 1, 2026
No additional details available.
Published APR range: 11.05% - 17.74%; Published rate range: 11.05% - 17.74%. Maximum Amount: $35,000
APR* = Annual Percentage Rate; rates available to qualified borrowers, for a limited time, subject to change without notice
Cannot be refinanced from another financial institution
Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00
Published APR range: 11.9% to 17.15%.
Published APR range: 12.00%-18.00%. Actual rate depends on credit score; an 'A+' credit score qualifies for the discounted rate; not all applicants will qualify for the lowest rate
No additional details available.
As Low As; Unsecured Loan Rates; APR = Annual Percentage Rate; With Approved Credit
As Low As; Starting at 13.99%
Published APR range: 14.50% - 18%. Current Loan Rates; APR range as printed; rates based on credit worthiness and term of loan
Rates and terms are fixed.
No additional details available.
Competitive rate and terms. Rate discount for automatic payments. Debt Cancellation Coverage available for qualified borrowers. Maximum term is 36 months and payment is auto debit.
- Sep 27, 202616.75%▲ from 14.99%
- Sep 15, 202614.99%first recorded
No additional details available.
Loans for a variety of personal needs, including optional overdraft protection with Share Draft checking.
Arkansas Personal Loan Rates
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Starting at 8.00%
Published APR range: 9.15% - 18.00%.
- Oct 9, 20269.15%▲ from 8.80%
- Sep 14, 20268.80%first recorded
APR* = Annual Percentage Rate; rates available to qualified borrowers, for a limited time, subject to change without notice
As Low As; Loan Rates table, Annual Percentage Rate (APR)
APR: 9.99% and up
As Low As
APR* = Annual Percentage Rate; rates available to qualified borrowers, for a limited time, subject to change without notice
Published APR range: 10.25 - 18.00%.
APR* with approved credit
No additional details available.
Published APR range: 11.05% - 17.74%; Published rate range: 11.05% - 17.74%. Maximum Amount: $35,000
APR* = Annual Percentage Rate; rates available to qualified borrowers, for a limited time, subject to change without notice
Cannot be refinanced from another financial institution
Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00
No additional details available.
As Low As; Starting at 13.99%
Rates and terms are fixed.
Loans for a variety of personal needs, including optional overdraft protection with Share Draft checking.
Arkansas Debt Consolidation Loan Rates
Arkansas Signature Loan Rates
Published APR range: 7.50% to 16.00%. Current Loan Rates; APR range
Published APR range: 7.50% - 18.00%. Maximum Amount: 20% of Gross Income - Depends on Credit Score
As Low As; Featured Rate; Annual Percentage Rate
No additional details available.
As Low As; Amount: $200 to $10,000; Turnaround Time: same day when credit allows
No additional details available.
As Low As; APR*
- Sep 25, 20269.00%▼ from 11.00%
- Sep 14, 202611.00%first recorded
As Low As
APR* = Annual Percentage Rate; rates available to qualified borrowers, for a limited time, subject to change without notice
No additional details available.
No additional details available.
As Low As; Loan Rates table, Annual Percentage Rate (APR)
Published rate range: 9.50% - 18.00%.
As Low As; Loan Amount: $2000.00
APR: 9.99% and up
As Low As
APR* = Annual Percentage Rate; rates available to qualified borrowers, for a limited time, subject to change without notice
APR* = Annual Percentage Rate; rates available to qualified borrowers, for a limited time, subject to change without notice
Published APR range: 11.9% to 17.15%.
Published APR range: 12.00%-18.00%. Actual rate depends on credit score; an 'A+' credit score qualifies for the discounted rate; not all applicants will qualify for the lowest rate
Published APR range: 14.50% - 18%. Current Loan Rates; APR range as printed; rates based on credit worthiness and term of loan
No additional details available.
No additional details available.
Arkansas Personal Loan Rate Trends
Compare local Arkansas personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Arkansas personal loan rates rose 0.496 points over the past 7 days to 11.500% APR.
Arkansas signature loan rates rose 0.025 points over the past 7 days to 10.449% APR.
Arkansas Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Arkansas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current AR average personal loan APR of 11.50%, across the terms lenders serving Arkansas most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $234.20/mo | $164.88/mo | $130.45/mo | $109.96/mo |
| $10,000 | $468.40/mo | $329.76/mo | $260.89/mo | $219.93/mo |
| $15,000 | $702.61/mo | $494.64/mo | $391.34/mo | $329.89/mo |
| $25,000 | $1,171.01/mo | $824.40/mo | $652.23/mo | $549.82/mo |
| $35,000 | $1,639.41/mo | $1,154.16/mo | $913.12/mo | $769.74/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Arkansas
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the AR personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (AR average) | 11.50% | $391.34 | $3,784 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,366 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,900 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,492 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Arkansas
Prequalify With a Soft Credit Check
Most lenders serving Arkansas will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Arkansas data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Arkansas auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Arkansas high-yield savings account costs nothing and earns interest instead of paying it
Arkansas Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $391 monthly loan payment is roughly 11.9% of the median individual income in Arkansas. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Arkansas.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1 to 3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3 to 5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current AR average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Arkansas personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Arkansas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Arkansas. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in AR.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Personal Loans for Bad Credit in Arkansas
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
Frequently Asked Questions
What credit score do I need for a personal loan in Arkansas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Arkansas?
Are credit unions or banks better for personal loans in Arkansas?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
Can I get a personal loan with bad credit in Arkansas?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in Arkansas?
- Baxter Credit Union: 6.99% (Personal Loan)
- Dillards Federal Credit Union: 7.50% (Personal/Signature Loan)
- Hope Federal Credit Union Jackson, MS: 7.50% (Unsecured / Signature Loan)
- Fort Roots Federal Credit Union: 7.90% (Signature Loans)
- Alcoa Community Federal Credit Union: 8.00% (Unsecured Loan)
