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ARLast updated: 2026-01
Arkansas Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Arkansas.
Maximum Interest Rate
17%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
17%
Penalty Type
Forfeiture of interest
Notes
Arkansas Constitution sets max rate at 5% above Federal Reserve discount rate (floor of 17%).
Business Exemption
Loans for business or investment purposes are exempt.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Property condition disclosure
- Lead-based paint disclosure (pre-1978)
- TILA disclosures if applicable
Licensing Required
No license required
No license required for occasional seller financing.
Consumer Protection
Applicable laws protecting buyers
- Arkansas Deceptive Trade Practices Act
Real Estate Specifics
Foreclosure process and property laws
- Mortgage state (judicial foreclosure)
- Non-judicial foreclosure also available for deeds of trust
- No deficiency judgments on mortgages
Legal Disclaimer
This information about Arkansas regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Arkansas attorney before entering into any seller financing arrangement.