Buckner at a glance
- Population: 156, the 403rd-largest community in Arkansas out of 500 (US Census Bureau, Vintage 2023).
- 2020 Census base: 161 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 3.1% below the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 403rd by size among 500 communities (US Census Bureau).
- Size percentile: it is larger than about 19% of the places in Arkansas (US Census Bureau).
- Coordinates: 33.3573 / -93.4356, per the US Census Bureau Gazetteer.
- Nearest larger cities: Stamps, AR (4 mi); Waldo, AR (8 mi); Lewisville, AR (9 mi); McNeil, AR (13 mi); Magnolia, AR (13 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Patmos, AR (13 mi); Willisville, AR (14 mi); Bodcaw, AR (14 mi) (US Census Bureau estimates).
What a personal loan costs in Buckner
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Arkansas lending rules that apply in Buckner
The Arkansas rate caps and licensing rules that reach Buckner are listed below, each with its source and retrieval date.
| 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 Buckner
The steps below are worth completing first when you borrow in Buckner:
- 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.