Online Loans in Arkansas

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There are no two ways around it – emergency expenses are never fun to deal with when money is tight and you’re struggling to make ends meet. No matter what your financial situation looks like, an unexpected expense can come along and surprise you at any moment if you’re not prepared.

So, what do you do to ready yourself in case of emergency? Your first step should be to start stockpiling cash in an emergency fund. This should be your first defense against any unexpected expenses that come your way. The only issue here is that if you’re just starting to build your emergency fund now, you’ll be left unprotected until you’ve built up a healthy amount of savings, which is generally a long process.

If something does go wrong in the meantime and you find yourself in need of some extra money to pay off an emergency expense, online loans in Arkansas may be the short-term answer! With an online Line of Credit through CreditFresh, you may be able to qualify for a personal loan between $500 to $5,000. There’ll be no hidden terms or unexpected fees for you to worry about with this online loan in Arkansas, as the terms of an online Line of Credit through CreditFresh are transparent and straightforward.

If you feel like the online borrowing process is going to be too complicated for you, you don’t need to worry! Submitting a request for a loan in Arkansas through CreditFresh is quick and simple. If approved, you’ll be able to access funds when you need them, as long as you have available credit and your account remains in good standing. Simply request a draw on your personal Line of Credit online from your available credit and the funds may be in your bank account the same business day3!

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.

Online Loan Summary

Credit Limit: $500 to $5,000

Loan Type: Line of Credit

Minimum Payment: Billing Cycle Charge + Mandatory Principal Contribution

Funding Time: Same Business Day3

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Benefits of Choosing Online Loans in Arkansas through CreditFresh




Access Credit When You Need It
  • A line of credit provides flexibility when dealing with emergency expenses.
  • When you need funds, you can simply request a draw online or by calling, so long as your account is in good standing and you have available funds.
  • You may have your funds deposited directly into your bank account the same business day that you request a draw3.

Excellent Customer Service
  • Our friendly Customer Service team is more than happy to help!
  • We’re here 7 days a week to answer your questions about the loan products offered through the CreditFresh website.
  • We’re here to help you get the funds you need when you’re facing an emergency expense.


Transparent, Easy-to-Understand Product
  • Clear repayment terms and no hidden charges.
  • A simple Billing Cycle Charge structure.
  • Have access to a secure online platform to review information regarding your account.

Loans Online in Arkansas through CreditFresh – The Details

No matter where you live, there’s no sure way of determining when you’re going to need to deal with an unexpected emergency next. And when you don’t have a lot of extra money lying around, what are you supposed to do? If you end up facing a situation like this, an online line of credit may be able to help you out.

When do you know that you’re facing an emergency expense? Well, situations like this could include:

  • Getting an unexpected but essential repair done on your car
  • A trip to the emergency room
  • Unplanned home repairs
  • If you’re looking to submit a request through CreditFresh, click here to get started!

    Credit Limit

    $500 to $5,000.

    Making a Draw

    You have the option to withdraw available funds all at once, or in smaller amounts from your available credit, as needed, so long as your account is in good standing. If you request a draw, funds may be deposited into your bank account the same business day3.

    Repayment of Your Online Loan in Arkansas

    If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.

    You will be issued a periodic statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your periodic statement will include important details such as your Minimum Payment and your Payment Due Date.

    Your Minimum Payment will be made up of two components:

    • Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your periodic statement; and
    • A Mandatory Principal Contribution which helps ensure you are always paying down your Outstanding Principal Balance.

    You can always make payments towards your Outstanding Principal Balance at any time without prepayment penalties. You may log into your account to make a payment online using a debit or pre-paid card or call 1-800-766-2007 to set up a payment.

    The Cost of an Online Loan in Arkansas through CreditFresh

    For each billing cycle, you will only be charged a Billing Cycle Charge if you have an Outstanding Principal Balance. You can find this information in your periodic statement. A portion of each Minimum Payment goes directly to your principal balance to ensure you are always paying down your balance.

    For further details, visit the Cost of Credit page.

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Frequently Asked Questions


What are the minimum requirements to qualify for an online loan in Arkansas through CreditFresh?

In order to qualify for an online loan through CreditFresh, you must:

  • Be of legal age to contract in Arkansas
  • Be a US citizen or a permanent resident
  • Be a resident of Arkansas
  • Have an active bank account
  • Have a regular, consistent source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through CreditFresh have charges that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

Will I need a bank account to be approved for this online loan in Arkansas?

Yes, you’ll need to have an active bank account to be approved for this online loan.

Will I need to make an appointment to submit a request for this online loan?

You will not need an appointment to submit a request. To start this process, simply click here. Submitting a request is simple and may only take a few minutes to complete1.

For more information, feel free to give us a call at 1-800-766-2007 and a member of our Customer Service team will be pleased to help you.

Are online loans offered through CreditFresh in other states?

Yes, online loans are currently offered through CreditFresh in the form of a Line of Credit in Alabama, Alaska, Arizona, Delaware, Florida, Hawaii, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin in addition to Arkansas.

Can I get funds from my online Line of Credit the same business day that I get approved?

If you’re in the midst of dealing with a financial emergency, one of the things that you’ll likely be concerned with is the speed at which you can get a hold of funds to help you take care of it. The thing to keep in mind is the speed of funding for a personal loan is going to vary between different financial institutions.

At CreditFresh, we understand how vital it is for you to get your money quickly when you’re faced with an emergency expense. That’s why, when you request a draw from your personal Line of Credit online, funds may be in your bank account the same business day3!

How is a line of credit different than an installment loan?

While there’s definitely some overlap between installment loans and lines of credit, there are also some key distinctions between the two. It’s important to have some understanding of these if you’re going to be deciding what borrowing option is best suited to your situation.

One of the most important things to note is that an installment loan will provide you with the money you’ve been approved for in a lump sum. From there, the money you owe will be broken up into a series of scheduled installments that will generally be of equal value.

With a line of credit, you’ll be able to draw money from a specific credit limit. You can draw however much money you want up to your available credit limit, assuming your account is in good standing. As you pay down what you owe, you can then continue to draw money on a recurring basis. This is a type of revolving credit. If you want to learn more about other online loans, click here.

We’re here to help!

Dealing with an emergency expense isn’t easy, but if you think that this Line of Credit is suited to your needs, or you’d like additional information on the process of requesting an online loan in Arkansas through CreditFresh, feel free to contact our Customer Service team at1-800-766-2007. You can also find more information by visiting our general FAQs page.