Centerton at a glance
- Population: about 23,953, 21st by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 17,860 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 34.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 21st in population of 500 places (US Census Bureau).
- Size percentile: it is larger than about 96% of the places in Arkansas (US Census Bureau).
- Coordinates: 36.3551, -94.2977 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Bentonville, AR (4 mi); Bella Vista, AR (8 mi); Rogers, AR (8 mi); Springdale, AR (14 mi); Fayetteville, AR (21 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Highfill, AR (6 mi); Gravette, AR (6 mi); Cave Springs, AR (7 mi) (Census populations).
What a personal loan costs in Centerton
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Arkansas lending rules that apply in Centerton
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Centerton
Before you commit to a personal loan in Centerton, 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.