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Loan Rate APR
30 Year Fixed Rate 3.88% 3.38%
15 Year Fixed Rate 4.06% 3.61%
5/1 Adjustable Rate 2.75% 3.37%
* These rates are averages, and might not apply to you.

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Arkansas Payday Loan Rules & Regulations Arkansas Payday Loan Rules & Regulations

Over the last few years a lot of states have started to make rules for the payday loan industry. One of the first to do so was Arkansas. While there are many people who applaud the rules that Arkansas has made there are also a number of people who think that it has caused some real problems.

These days payday loans are familiar to most people, they are loans that are given for a period of a couple of weeks and have to be paid back in full when you get your next paycheck. There are a lot of states that have started to pass laws that are designed to protect consumers from what they see as predatory lending practices by the payday loan companies. The main reason that they have a problem with payday loans is that interest rates that are charged on them will run into the several hundred percent on an annual basis.

The other big issue that a lot of state governments have with payday loans is that once you have taken one you will find yourself having to keep taking them. This is mainly because once you have paid off the first loan you are not going to have much money left. That inevitably results in a situation where you have to take a new loan to get you to your next payday. Having to constantly take new loans will cost you thousands of dollars each year. Not something that most people who use payday loans can really afford.

The payday loan rules in Arkansas are some of the oldest and the strictest in the country. First of all the interest rate can not exceed seventeen percent. In addition any fees that are charged on the loan can not be more than ten percent of the loan amount or twenty five dollars whichever is lower. Further the amount of the loan can not be more than four hundred dollars and borrowers can not have more than one loan at a time. Finally the total amount of fees that can be collected can not exceed four hundred dollars in a year. It is a good idea to make sure that you learn the Payday Loan Facts Arkansas before you take a loan to ensure that you are not getting a loan that is illegal.

The payday loan rules in Arkansas have certainly helped to protect consumers from predatory lending practices but they have also made sure that payday loans are not available for residents of the state. There are a lot of people who think that is a good thing. However there are quite a few people who do actually need payday loans as a way to get short term cash. With these not available it has become a hardship for a lot of people. This is something that is going to have to be addressed.

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