What is Arkansas Amendment 89?
Amendment 89 to the Arkansas Constitution sets a strict ceiling on consumer interest rates, generally prohibiting non-depository lenders from charging excessive interest rates.
Licensed Network Active // Arkansas
Personal Loans in Arkansas
InstantLoans.ai connects residents of Arkansas with independent third-party lenders operating in accordance with Arkansas Constitution Amendment 89 (Interest Rate Control).
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Last Updated: June 15, 2026
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Editorial Policy & Integrity PactArkansas Regulatory Overview
Governing Statute
Arkansas Constitution Amendment 89 (Interest Rate Control)
Primary legal framework regulating consumer loans and borrower protections.
Statutory APR Limit
17.00% general usury limit under Amendment 89 for non-bank lenders; marketplace installment caps
Annual percentage rates comply with state usury and consumer credit caps.
Maximum Network Loan
Up to $50,000
Prepayment allowed at any time with zero penalty under state statute.
Understanding Loan Protections in Arkansas
Arkansas maintains a strict constitutional usury cap under Amendment 89. Consumer lenders operating in Arkansas must strictly observe maximum legal interest rate thresholds.
Guaranteed Borrower Rights
- ✓ Protection against unconstitutional usurious interest rates
- ✓ Right to contest non-compliant loan contracts in state court
- ✓ Full fee transparency prior to loan agreement signing
How InstantLoans.ai Works in Arkansas
1. Connect
Submit your information securely. We ping our network of participating independent lenders.
2. Review Offers
If a lender accepts your request, review their specific rates, fees, and terms independently.
Frequently Asked Questions in Arkansas
Can out-of-state lenders charge higher rates in Arkansas?
Only federally chartered depository banks operating under national banking charters can export rates; non-bank lenders must strictly comply with Arkansas usury limitations.