Bentonville at a glance
- Population: the Census estimates 59,471 residents, ranking 9th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: 54,219 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 9.7% growth over the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 9th of the state's 500 Census places (US Census Bureau).
- Size percentile: roughly 98% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: mapped at 36.3527, -94.2312 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Rogers, AR (5 mi); Springdale, AR (12 mi); Fayetteville, AR (20 mi); Fort Smith, AR (70 mi); Springfield, MO (78 mi) (US Census Bureau populations).
- Nearest smaller places: Centerton, AR (4 mi); Little Flock, AR (6 mi); Cave Springs, AR (6 mi) (US Census Bureau estimates).
What a personal loan costs in Bentonville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Arkansas lending rules that apply in Bentonville
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Bentonville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bentonville
Before you commit to a personal loan in Bentonville, work through these steps:
- 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.