The MFP’s Community Personal Loan Lender Survey gathers Arkansas borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Arkansas’ Personal Loan Borrowers >>
Arkansas Best Personal Loan Lenders
Little Rock, Fort Smith, Fayetteville, Springdale, North Little Rock, Jonesboro, Conway, Rogers, Bentonville, Pine Bluff, Online.
Little Rock Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Little Rock’s area are Arkansas Federal Credit Union, Telcoe Federal Credit Union and Alcoa Community Federal Credit Union.
- Arkansas Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Little Rock-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Telcoe Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Alcoa Community Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful personal-loan guidance and dependable branch support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Arkansas Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Telcoe Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Alcoa Community Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| TruService Community Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Diamond Lakes Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Arvest Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bank OZK | Bank | 4.5 | 4.4 | 4.5 | 89% |
| First Security Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Centennial Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Regions Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Simmons Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| First Horizon Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Fort Smith Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Fort Smith’s area are Arkansas Federal Credit Union, River Valley Community Federal Credit Union and United Federal Credit Union.
- Arkansas Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Fort Smith-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- River Valley Community Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- United Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful personal-loan guidance and dependable branch support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Arkansas Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| River Valley Community Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| United Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Arvest Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| First National Bank of Fort Smith | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Centennial Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Regions Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Simmons Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| First Security Bank | Community Bank | 4.1 | 4.1 | 4.2 | 82% |
| Bank OZK | Bank | 4.1 | 4.0 | 4.1 | 81% |
Fayetteville Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Fayetteville’s area are Arkansas Federal Credit Union, United Federal Credit Union and Generations Bank.
- Arkansas Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Fayetteville-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- United Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Generations Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight practical local service, helpful loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Arkansas Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| United Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Generations Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Arvest Bank | Bank | 4.5 | 4.4 | 4.5 | 89% |
| Bank OZK | Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Security Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Centennial Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Simmons Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Regions Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Springdale Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Springdale’s area are United Federal Credit Union, Arkansas Federal Credit Union and Generations Bank.
- United Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Springdale-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Arkansas Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Generations Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight practical local service, helpful loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| United Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Arkansas Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Generations Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Arvest Bank | Bank | 4.5 | 4.4 | 4.5 | 89% |
| Bank OZK | Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Security Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Centennial Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Simmons Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
North Little Rock Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in North Little Rock’s area are Arkansas Federal Credit Union, Telcoe Federal Credit Union and TruService Community Federal Credit Union.
- Arkansas Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful North Little Rock-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Telcoe Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- TruService Community Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly local service, useful personal-loan guidance and dependable branch support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Arkansas Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Telcoe Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| TruService Community Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Diamond Lakes Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Arvest Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bank OZK | Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Security Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Centennial Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
Jonesboro Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Jonesboro’s area are Arkansas Federal Credit Union, Focus Bank and First Community Bank.
- Arkansas Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Jonesboro-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Focus Bank ranks second with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews frequently mention practical local service, responsive staff and clear borrowing help, which supports its strong support score among the top 3.
- First Community Bank ranks third with a 90% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful loan guidance and dependable local support, which supports its recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Arkansas Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Focus Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| First Community Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Arvest Bank | Bank | 4.5 | 4.4 | 4.5 | 89% |
| Centennial Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Regions Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Simmons Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| First Security Bank | Community Bank | 4.1 | 4.1 | 4.2 | 82% |
Conway Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Conway’s area are Arkansas Federal Credit Union, Arkansas Superior Federal Credit Union and Centennial Bank.
- Arkansas Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Conway-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Arkansas Superior Federal Credit Union ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Centennial Bank ranks third with a 90% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight practical local service, helpful loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Arkansas Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Arkansas Superior Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Centennial Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| First Security Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Bank OZK | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Arvest Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Regions Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Simmons Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
Rogers Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Rogers’s area are Arkansas Federal Credit Union, United Federal Credit Union and Generations Bank.
- Arkansas Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Rogers-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- United Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Generations Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight practical local service, helpful loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Arkansas Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| United Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Generations Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Arvest Bank | Bank | 4.5 | 4.4 | 4.5 | 89% |
| Bank OZK | Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Security Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Centennial Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Simmons Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
Bentonville Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Bentonville’s area are Arkansas Federal Credit Union, United Federal Credit Union and Generations Bank.
- Arkansas Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Bentonville-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- United Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Generations Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight practical local service, helpful loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Arkansas Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| United Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Generations Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Arvest Bank | Bank | 4.5 | 4.4 | 4.5 | 89% |
| Bank OZK | Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Security Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Centennial Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Simmons Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
Pine Bluff Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Pine Bluff’s area are Relyance Bank, Arkansas Federal Credit Union and Simmons Bank.
- Relyance Bank ranks highest with a 92% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews most often point to helpful Pine Bluff-area service, practical personal-loan guidance and responsive local staff, which supports its strong support score.
- Arkansas Federal Credit Union ranks second with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews frequently mention smooth application support, clear borrowing help and dependable branch service, which supports its high scores across all three categories.
- Simmons Bank ranks third with an 89% Recommend score, a 4.5 Easy Application rating, 4.4 Loan Terms & Rate Satisfaction rating and 4.5 Support & Guidance rating.
- Reviews commonly highlight accessible local service, straightforward loan help and reliable staff communication, which supports its recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Relyance Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| Arkansas Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 91% |
| Simmons Bank | Bank | 4.5 | 4.4 | 4.5 | 89% |
| Bank OZK | Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Security Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Centennial Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Regions Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Arvest Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Arkansas Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Arkansas’s area are Arkansas Federal Credit Union, Telcoe Federal Credit Union and University of Arkansas Federal Credit Union.
- Arkansas Federal Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to an easy online application, clear personal loan options, and helpful support during the borrowing process.
- Telcoe Federal Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its strong ranking because customers highlight quick online loan access, competitive personal loan options, and useful help when applying.
- University of Arkansas Federal Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top-3 placement because customers point to online application access, straightforward loan choices, and helpful service.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Arkansas Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| Telcoe Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 95% |
| University of Arkansas Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 93% |
| Union Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 91% |
| Diamond Lakes Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 90% |
| Centennial Bank | Bank | 4.5 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 87% |