Bella Vista at a glance
- Population: 32,368 people, the 14th-largest place among Arkansas's 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 30,076 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 7.6% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: the 14th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 97% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: latitude 36.4666, longitude -94.2663 (US Census Bureau Gazetteer).
- Nearest larger cities: Bentonville, AR (8 mi); Rogers, AR (12 mi); Springdale, AR (20 mi); Fayetteville, AR (28 mi); Joplin, MO (44 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Jane, MO (6 mi); Gravette, AR (6 mi); Pea Ridge, AR (8 mi) (US Census Bureau).
What a personal loan costs in Bella Vista
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Arkansas lending rules that apply in Bella Vista
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Bella Vista.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bella Vista
The steps below are worth completing first when you borrow in Bella Vista:
- 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.