Are title loans legal in Arkansas? No. The Arkansas Constitution Amendment 89 (Ark. Const. amend. 89, secs. 3, 6(b), 13, 14) caps the cost of a loan secured by a vehicle title (Ark. Const. amend. 89 sec. 3 (text of HJR 1004): maximum lawful rate on loans or contracts not made by governmental units (sec. 1) or federally insured depository institutions (sec. 2) ‘shall not exceed seventeen percent (17%) per annum’). Loans Inc does not connect Arkansas residents with title lenders. This page explains what the law says, how to check a lender, and where Arkansas residents can turn instead.
Title loans in Arkansas at a glance
| Title loans available through Loans Inc | No |
|---|---|
| Legal status | No title-loan statute; consumer-loan rate cap applies |
| Governing law | Arkansas Constitution Amendment 89, Ark. Const. amend. 89, secs. 3, 6(b), 13, 14 |
| Rate cap | Ark. Const. amend. 89 sec. 3 (text of HJR 1004): maximum lawful rate on loans or contracts not made by governmental units (sec. 1) or federally insured depository institutions (sec. 2) ‘shall not exceed seventeen percent (17%) per annum’ |
| Regulator | None for title lending; complaints go to the state attorney general |
| Last reviewed | 15 September 2026 |
Checked against the primary sources listed at the end of this page on 15 September 2026.
Why title loans are not offered in Arkansas
The Arkansas Constitution Amendment 89 (Ark. Const. amend. 89, secs. 3, 6(b), 13, 14) caps the cost of a loan secured by a vehicle title (Ark. Const. amend. 89 sec. 3 (text of HJR 1004): maximum lawful rate on loans or contracts not made by governmental units (sec. 1) or federally insured depository institutions (sec. 2) ‘shall not exceed seventeen percent (17%) per annum’).
Ark. Const. amend. 89 sec. 3 (text of HJR 1004): maximum lawful rate on loans or contracts not made by governmental units (sec. 1) or federally insured depository institutions (sec. 2) ‘shall not exceed seventeen percent (17%) per annum’; sec. 6(b): contracts exceeding the maximum are void as to principal and interest. Ark. Code sec. 4-57-104 (Act 1124 of 2013): parties may agree in writing to interest ‘not exceeding the applicable rate of interest, if any, set forth in the Arkansas Constitution, Article 19, sec. 13 by Amendment 89’.
The operative language in the statute reads: “The maximum lawful rate of interest on loans or contracts not described in Sections 1 and 2 shall not exceed seventeen percent (17%) per annum.”
Separately, federal law caps the Military Annual Percentage Rate at 36% for active-duty service members and their dependents on most consumer credit, including title loans (Military Lending Act, 32 CFR Part 232).
What Arkansas residents can do instead
Before you borrow against your car, compare lower-cost options available to Arkansas residents. Federal credit unions can offer payday alternative loans with capped rates; use the NCUA credit union locator to find one near you. Dial 211 or visit 211.org for local emergency assistance programs. Nonprofit counselors listed by the National Foundation for Credit Counseling can help with a repayment plan. Our guide to title loan alternatives compares each option and when it costs less.
How to check a lender or file a complaint in Arkansas
No title-lender licensing regulator exists. Arkansas Attorney General, Public Protection (Consumer Protection) Division handles usurious/payday loan complaints; the Arkansas Securities Department’s money services program covers only money transmitters and currency exchangers. See the state agency notice for details. Complaints can be filed with the Consumer Financial Protection Bureau and the state attorney general.
A lender that offers Arkansas residents a title loan at a cost above what state law allows may be operating unlawfully. A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit.
Frequently asked questions
Are title loans legal in Arkansas?
No. The Arkansas Constitution Amendment 89 (Ark. Const. amend. 89, secs. 3, 6(b), 13, 14) caps the cost of a loan secured by a vehicle title (Ark. Const. amend. 89 sec. 3 (text of HJR 1004): maximum lawful rate on loans or contracts not made by governmental units (sec. 1) or federally insured depository institutions (sec. 2) ‘shall not exceed seventeen percent (17%) per annum’).
Can I get a title loan online in Arkansas from an out-of-state lender?
Arkansas law applies to loans made to Arkansas residents. A lender offering a title loan to a Arkansas resident at a cost above the state limit may be operating unlawfully; check the lender with the state attorney general before you sign.
What can I do instead of a title loan in Arkansas?
Credit union loans, payday alternative loans, local assistance programs reached through 211, and nonprofit credit counseling are usually cheaper. See our guide to title loan alternatives.
Does Loans Inc make loans in Arkansas?
Loans Inc is not a lender. We connect consumers with participating independent lenders. We do not make credit decisions, set rates, or determine loan terms. We do not connect Arkansas residents with title lenders.
Sources
- Arkansas Constitution Amendment 89, Ark. Const. amend. 89, secs. 3, 6(b), 13, 14. Accessed 15 September 2026.
- No title-lender licensing regulator exists. Arkansas Attorney General. Accessed 15 September 2026.
- sos.arkansas.gov/uploads/Initiatives_and_Amendments_1938-2016.pdf. Accessed 15 September 2026.
- arkleg.state.ar.us/Home/FTPDocument?path=/ACTS/2013/Public/ACT1124.pdf. Accessed 15 September 2026.
- arkleg.state.ar.us/Bills/FTPDocument?path=%2FBills%2F2013%2FPublic%2FS. Accessed 15 September 2026.
- securities.arkansas.gov/. Accessed 15 September 2026.
- Military Lending Act regulation, 32 CFR Part 232 (eCFR). Accessed 15 September 2026.
- Consumer Financial Protection Bureau, submit a complaint. Accessed 15 September 2026.
- National Credit Union Administration, credit union locator. Accessed 15 September 2026.
- 211, local assistance programs. Accessed 15 September 2026.
- National Foundation for Credit Counseling. Accessed 15 September 2026.
Loans Inc is not a lender and does not make loans in any state. The information on this page is drawn from the sources listed below and is provided for general education. The lender you are matched with is responsible for complying with the laws of your state. Last reviewed 15 September 2026 by the Loans Inc Editorial Team. Next review due March 2027.
What to Know Before You Apply
- Who we are: Loans Inc is not a lender. We connect consumers with participating independent lenders. We do not make credit decisions, set rates, or determine loan terms.
- Vehicle risk: A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit.
- Cost: Rates, fees, and repayment terms are set by the lender you are matched with and vary by state. Before you sign, the lender will give you a full written disclosure of the APR, fees, payment schedule, and total cost. Loans Inc does not set or guarantee any loan terms.
- Funding: Many lenders in our network can fund approved loans as soon as the same business day. Timing depends on the lender's approval, when you apply, document verification, and your bank's processing.
- Other options: Lower-cost options may be available. Compare them in our guide to title loan alternatives.
- Your information: When you apply, your application is sent to participating lenders. Read how our matching service works and the difference between a direct lender, a broker, and a lead generator.
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