Best Title Loan Companies in Arkansas

Best Online Title Loans of 2022
Author : Chris Morgan
Updated on : January 2nd, 2023

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Arkansas is a beautiful state that is full of natural wonders. In fact, one of Arkansas’ nicknames is the Wonder State which is a nod to the natural terrain and beautiful landscape. When Arkansas made tourism one of its most lucrative investments, the state branded itself as “The Land of Opportunity.”

In terms of affordability and lifestyle, Arkansas may in fact be the land of opportunity for these seeking a modest cost of living. According to, Arkansas residents spend on average 13.5% less on common goods and services when compared to other residents in other states. Also, the goal of homeownership is more accessible as the cost of the average median home in Arkansas hovers around $128,000 making Arkansas ideal for those seeking to live a modest, comfortable lifestyle.

Nevertheless, even with one of the lowest cost of living in the United States, a study conducted by the United Way affiliated grassroot movement United For ALICE revealed through their Household Survival Budget that the Arkansas’ working class population is still struggling to make ends meet as many people, despite the lower cost of living, can’t afford to maintain a budget that also includes miscellaneous funds and/or savings.

For this reason, the availability of accessible and flexible alternative money options is important. Title loans provide a line to fast cash by using a vehicle as equity. The Consumer Federation of America provides specific details about title loan regulations throughout the United States so that individuals can make an informed decision to choose a title loan company that offers loan products at the most comparable rates and terms. To assist with the process of choosing a quality title company, below is a list of the five best title loan companies in Arkansas.

How Do You Qualify For a Title Loan in Arkansas?

There are specific requirements to obtain title loans in Arkansas. According to NAME, individuals interested in a title loan must meet the following qualifications:

  • Applicants must be 18 years of age and older
  • Proof of identification such as a state ID or driver's license
  • Proof of income
  • Proof of vehicle ownership

Applicants are advised to do their due diligence before obtaining a title loan. Comparing rates and terms from several title companies prior to making a decision will ensure that individuals are receiving access to fast cash at rates that they can afford.

Best Instant Title Loans In Arkansas

Here are the best instant title loan companies in Arkansas. The following two companies offer convenient loan services throughout the United States via online platforms.

Max Cash Title Loans

Max Cash Title Loans Logo

In business since 2008, Max Cash Title Loans is one of the most well-known online providers of loan services. With over 1 million customers served, Max Cash Title Loans has solidified itself as a reputable provider of loan products in the United States. 

Accessing the loan products is simple due to Max Cash Title Loan’s online platform. Customers get access to a wide variety of partner lenders by completing an online application. Once the application is submitted, it is processed to find a lender in the customer’s location that provides a loan with comparable rates and terms. Title loan refinances are also available.

All of Max Cash’s services are available at no cost to the consumer. The costs associated with providing these thorough loan services are charged to lenders providing a win-win situation where lenders are connected to consumers. Max Cash earns a commission AFTER consumers secure a title loan, so this company is committed to helping consumers obtain the loans they desire. 

Check out these other benefits of Max Cash:

  • Easy and Efficient Online Application
  • Fair and Comprehensive Car Value Evaluation
  • Protection of Your Personal Information
  • Large Network of Title Loan Lenders
  • Rate and Service Transparency
  • Easy to Compare Loan Amounts and Interest Rates
  • Personal Information
  • Bank Account Not Required
  • High-Quality Customer Service
  • An Array of Loan Services For Free

Check out our Max Cash review to learn more about their services.


LoanMart Logo

LoanMart is a preferred option to Max Cash. Since 2002, has funded over 250,000 title loans to their clients, and they operate in several states.

What sets LoanMart apart from Max Cash is that LoanMart is a title loan lender rather than a loan broker. Customers obtain their loan directly from LoanMart which has the potential to speed up the title loan process because the customer deals directly with a specific lender as opposed to having their application submitted to several lenders. This direct approach also speeds up the loan funding process.

Also, customers have a grace period to decide if they want to commit to the loan with LoanMart’s “Three Day Peace of Mind” guarantee. This guarantee gives title loan customers three days to opt out of a loan contract upon signing without any fees or consequences. This is a benefit as it allows customers time to determine whether a title loan is right for them.

Other reasons why LoanMart is a preferred choice for title loans include:

  • Premium Customer Service
  • A Variety of Loan Options
  • Highly Competitive Rates
  • Three Day Peace of Mind Guarantee
  • Loan Funds Received Quickly
  • Informative Financial Education Resources

Learn more about the LoanMart’s services with our complete LoanMart Review.

Top 5 Local Arkansas Title Loan Companies

Max Cash and LoanMart are reputable title loans and offer the convenience of an online application. However, if you’re looking for a location to visit, the following are five physical locations for title loan recommendations in Arkansas.

ACE Cash Express Logo

Ace Cash Express is a premier provider of financial services for over 50 years throughout the United States. They offer an array of financial services to include payday loans, check cashing, and short-term loans. With an A+ rating from the Better Business Bureau, customers have the security of knowing that Ace Cash Express is a reputable provider of quality, secure title loans.

The title loan application is simple and can be completed at one of the brick and mortar locations. A 72-hour guarantee allows customers to cancel a title loan within a grace period with no fees or penalties.

Contact Information:

  • Address: 7508 Geyer Springs Rd, Little Rock, AR 72209
  • Phone: (501) 562-4807
  • Email:

Established in 2019, ChoiceCash Title Loans offers loan products and services via a partnership with LoanMart. Loan services are available in 20 states including Arkansas.  The loan application process can be completed online or via phone with a 24-hour turnaround for loan approvals in most cases. What sets ChoiceCash apart from the rest is that they have partnered with Moneygram so that customers can pick up their loan funds and/or pay off the title loans in person at select CVS stores, Kroger supermarkets, Walmart, and other Moneygram locations or via direct deposit.

Contact Information:

  • Address: 1624 S Broadway Street, Little Rock, AR 72206
  • Phone: 1-855-914-2945
  • Email:
E-Z Cash Advance Logo

E-Z Cash Advance Inc offers a variety of loan products and financial services to residents in Little Rock and throughout Arkansas. The loan services offered include emergency loan options such as payday loans and title loans as well as installment loans. Obtaining a title loan via E-Z Cash Advance is simple as all credit types are accepted including no credit and bad credit allowing everyone to have access to emergency cash title loans. Customers interested in a title loan can complete the application online and a loan representative will follow up to complete the title loan process.

Contact Information:

  • Address: 10101 Mabelvale Plaza Dr, Little Rock, AR 72209
  • Phone: (501) 568-4500
Southern Good Faith Fund Logo

Southern Good Faith Fund is a nonprofit affiliate of Southern Bancorp that has offered a variety of business and consumer lending options for over 30 years to local families, businesses, and communities in Arkansas. The consumer loans offered by Southern Good Faith Fund allow consumers to borrow money at various terms from 12 to 72 months with single pay, balloon, and installment repayment options. Plus, consumers are able to access competitive loan rates. Those interested in accessing loan funds are advised to contact Southern Good Faith Fund directly or complete an intake form to initiate the loan process.

Contact Information:

  • Address: 8924 Kanis Rd, Little Rock, AR 72205
  • Phone: (501) 661-0322 and 1-800-789-3428
USA Loans Pawn Shop Logo

Since 1990, USA Loans Pawn Shop has offered short-term cash solutions in Little Rock, Arkansas and has earned an A + rating with the Better Business Bureau. This company offers short-term cash solutions including cash pawns and loans that do not require credit checks. To receive a short-term loan, customers are required to secure the loan with personal property. For those interested in a title loan, a vehicle is used as collateral to secure the loan. Customers have the option to repay the loan to retrieve the merchandise and/or car that was used for collateral.

Contact Information:

  • Address: 5925 S University Ave, Little Rock, AR 72209
  • Phone: (501) 565-0011

Do Title Loans Affect My Credit?

One of the benefits of title loans is that credit is not required. This is because a vehicle is used as collateral to secure the loan. Thus, most title loan companies don’t require a credit check making title loans an accessible option for people with limited and/or poor credit.

It is important to note that once a title loan is obtained, it is important to make on-time payments. While obtaining a title loan does not require a credit check, it is possible to improve and/or worsen your credit based on title loan payment history. A positive payment history will boost your credit score while missed payments can have an adverse effect on your credit. Also, failure to pay a title loan can result in the vehicle associated with the title loan being repossessed.

Those interested in a title loan can use this short-term funding option as a way to rebuild credit. Check out our post on How Do Credit Repair Companies Help? as it provides comprehensive details about how credit repair companies assist with improving credit.

Are There Downsides To Getting a Title Loan?

While title loans are a convenience for those who need cash fast and don’t have the best credit, there are some important precautionary aspects related to these loans.

Title loans usually have high interest rates due to the fact that these loans are not secured through credit. With the interest rates for title loans at 14% in Arkansas, consumers are urged to only borrow what they can payback within the designated repayment period to prevent a title loan default and vehicle seizure.

The Consumer Financial Protection Bureau (CFPB) reports that one-in-five borrowers who take out a single-payment auto title loan eventually have their vehicles seized due to default. These statistics reveal the importance of financial management when securing short-term loan options such as title loans.

Can Title Loans Be Obtained Solely Online?

One of the benefits of title loans is that they are usually available both in person at a local title loan company or via an online broker and/or lender. Online title loans are convenient because it eliminates the need to visit a brick and mortar location to obtain emergency cash. Companies that offer online title loans often utilize a network of lenders to assist consumers in locating the loan funds desired. For more information about obtaining a title loan from online lenders check out this post on the Best Online Title Loans of 2023.

Is It Possible To Obtain a Title Loan With No Contact?

While a title loan can be obtained solely online, direct communication is necessary. This will occur via phone or email, and it is important that those seeking title loans respond promptly to requests for information to expedite the title loan process. With online title loans, a loan agent reaches out via phone or email to request paperwork which is then uploaded by the applicant via a secure online platform. Requested information includes the car title, valid identification, proof of income and address, and photos of the vehicle and the vehicle identification number (VIN).

If you are seeking a title loan after business hours, check out our post on the Top 6 Title Loan Companies Open on Saturday and Sunday as it includes loan brokers and lenders that offer online title loans for your convenience.

Conclusion and Next Steps

The provided list of title loan companies in Arkansas have been thoroughly researched to ensure that they provide reputable short-term loan solutions.

If you are in Arkansas and seeking a title loan, get started by completing an online application via Max Cash. With a platform that brings together numerous lenders, you’ll be connected to a lender so that you can get a title loan at an competitive, attractive rate.

If you need cash fast, get in touch with

Max Cash.

Max Cash Title Loans Logo

When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.

About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.

Learn more about Chris Morgan

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