A 17% constitutional usury cap — the only state with a rate limit written into its constitution.
What a Cash Advance Costs in Arkansas
Article 19, Section 13 of the Arkansas Constitution caps consumer loan interest at 17% per annum, and the state's 1999 Check Cashers Act was struck down by the Arkansas Supreme Court in 2008 for violating that cap.
Loan Size, Term, and Renewal Rules
That ruling effectively ended traditional payday-style cash advances in Arkansas.
| Factor | Rule |
|---|---|
| Constitutional cap | 17% APR |
| Check Cashers Act | Struck down 2008 |
Verify current rules with the Arkansas State Bank Department before applying with any lender — this summary is for general information only, not legal advice.
Comparing Your Options in Arkansas
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See what a Arkansas cash advance actually costs you.
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