Berryville at a glance
- Population: a Census-estimated 5,754, placing it 62nd among Arkansas's 500 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 5,678 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 62nd of the state's 500 Census places (US Census Bureau).
- Size percentile: ahead of around 88% of Arkansas places in population terms (US Census Bureau).
- Coordinates: 36.3703 latitude, -93.5683 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Branson, MO (23 mi); Harrison, AR (27 mi); Pea Ridge, AR (32 mi); Rogers, AR (33 mi); Lowell, AR (34 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Green Forest, AR (8 mi); Eureka Springs, AR (10 mi); Oak Grove, AR (10 mi) (US Census Bureau).
What a personal loan costs in Berryville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Arkansas lending rules that apply in Berryville
Read the table as the compliance picture for a lender serving Berryville: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Berryville
Here is a short checklist for comparing personal loans in Berryville:
- 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.