Consumer loans
LiveA safe, affordable alternative to payday lending, with terms from 90 days to 60 months.
10%
Interest rate
PEOPLE TRUSTCommunity Loan Fund
Fair loans for Arkansas families and small businesses
People Trust interest rate on all loans is 10% with payback times up to 60 months and no less than 90 days. See loan details.
PEOPLE TRUST is a non-profit 501c3 COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION LOAN FUND, Certified by the U.S. Department of Treasury CDFI FUND SINCE 2016.
People Trust is an Equal Opportunity Lender. We do not discriminate on the basis of race, color, religion, sex, marital status, disability, age, or national origin.
Donate to The Causes You Care About
DONATE- U.S. Treasury–certified CDFI
- Since 2016
- total lent
- $72M+
- loans funded
- 10,034
- people served
- 35,119
Lifetime figures as of December 31, 2025. See our impact
Who we are
Local roots. Here to stay.
People Trust was founded on a simple belief: fair credit should reach every neighborhood in Arkansas.
In Arkansas, 9.7% of households have no bank account and 22.6% are underbanked. Payday lending is banned here, and many low-income neighborhoods still have few places to borrow fairly.
Since 2016 we've lent to those communities as a Treasury-certified CDFI: small business loans, consumer loans, and the coaching to make them work.
Our commitment to community lending
We got certified
The U.S. Treasury CDFI Fund certified People Trust as a community lender in 2016.
We stayed fair
Loans at 10% interest, with terms from 90 days to 60 months. Never a payday lender.
We coach
Credit counseling, financial literacy and business coaching, so every loan comes with a plan.
We partner
A 501(c)(3) nonprofit and SBA Micro-Lender, putting federal and partner capital to work where it's needed most.
Loans built for Arkansas families and small businesses.
Fair terms, local decisions, and coaching that comes with the loan.
Small business loans
LiveCapital for small businesses in low-income communities. We look beyond a credit score to the whole business.
We provide
Loans and grants
Financial education
Technical assistance
Developmental services
LiveGrow with people who know you.
Topics include
Budgeting and credit
Business planning
Technical assistance
Payments
LiveMake a payment on your People Trust loan.
Pay by
Credit card
Bank transfer
Secure processing
Pilot
Digital dollars pilot · Details coming soon.
Coming soon
The People Trust difference
Fair, by default.
We don't start with a product to sell you. We start with what you need to get stable, then build from there.
Never predatory
We have never been a payday lender.
Terms that fit
People Trust interest rate on all loans is 10% with payback times up to 60 months and no less than 90 days.
Equal Opportunity Lender
We do not discriminate on the basis of race, color, religion, sex, marital status, disability, age, or national origin.
Owned by the mission
A nonprofit 501(c)(3) that answers to the community it serves.
Come as you are. Leave with a plan.
Find your starting point.
For individuals
Borrow fairly, with a plan to stay stable.
See consumer loansFor small businesses
Capital for the businesses that build our neighborhoods.
Explore business loansFor learners
Coaching and credit counseling that come with the loan.
See developmental servicesFor partners & funders
Put capital to work where it counts.
Become a partnerImpact · Since 2016
Results we publish.
Since we started lending
- total lent
- $72M+
- loans funded
- 10,034
- people served
- 35,119
- small business loans
- 3,192
- consumer loans
- 6,842
- low-to-moderate income
- 90%
- loan delinquency
- 5%
In 2025
- deployed
- $2,845,204
- loans 28 small business · 1,939 consumer
- 1,967
- people served
- 6,874
As of December 31, 2025. Figures from our 2025 Annual Report.
News & Events
In the community.
News
People Trust Borrower Success Video
Watch inspiring stories from our borrowers and learn how People Trust is making a difference in communities across Arkansas.
Media coverage
Port of Harlem Magazine
Click to see the positive impact People Trust is having on the community of Little Rock, AR.
Media coverage
Arkansas Money & Politics Highlights "People Trust"
Click to see the positive impact People Trust is having on the community of Little Rock, AR.
Who we work with
Federal agencies, foundations, banks and technology companies that help us reach more people.
Work with us
Partner with People Trust
Banks and CDFIs collaborate with us to deploy capital, meet CRA goals, and expand financial opportunity in underserved communities.