Arkansas City at a glance
- Population: 349 people, the 307th-largest place among Arkansas's 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 380 (US Census Bureau).
- 2020 to 2023 change: roughly 8.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: the 307th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 39% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: 33.6089 latitude, -91.2049 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: McGehee, AR (11 mi); Dermott, AR (14 mi); Metcalfe, MS (16 mi); Greenville, MS (18 mi); Rosedale, MS (20 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Benoit, MS (12 mi); Reed, AR (15 mi); Tillar, AR (16 mi) (US Census Bureau).
What a personal loan costs in Arkansas City
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Arkansas lending rules that apply in Arkansas City
The sourced rows below are the rules a licensed lender must follow when lending in Arkansas, and therefore in Arkansas City.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 17% per annum for loans not made by or to governmental units or by federally insured depository institutions (Amendment 89, effective January 1, 2011) Source says: "shall not exceed seventeen percent (17%) per annum". | Arkansas Legislature — Arkansas Constitution, Amendment 89, § 3 (proposed by H.J.R. 1004 of 2009) as of 2026-09-16 |
| Payday lending status | Not permitted — all storefront payday lending eliminated; the Attorney General has worked to eliminate all forms of payday lending since 2008 Source says: "the Attorney General's office has worked to eliminate all forms of payday lending in Arkansas"; "all storefront payday loan operations in Arkansas have been shut down". | Arkansas Attorney General — Consumer Protection Division as of 2026-09-16 |
| Small-loan / installment lender licensing | See the latest published figure value_text left null: the State Bank Department does not publish a consumer small-loan license rate schedule that could be verified; storefront payday lending has been eliminated (see Payday lending status). See the linked regulator page for the licensee categories it supervises. | Arkansas State Bank Department as of 2026-09-16 |
| State lending regulator | Arkansas State Bank Department Source says: "The Department is charged with regulating state-chartered commercial banks with main offices in Arkansas". | Arkansas State Bank Department as of 2026-09-16 |
How to compare offers in Arkansas City
Before you share your details with a lender in Arkansas City:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Arkansas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.