Dardanelle at a glance
- Population: about 4,504, 74th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,513 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 0.2% below the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 74th by size among 500 communities (US Census Bureau).
- Size percentile: about 85% of places in Arkansas are smaller (US Census Bureau).
- Coordinates: 35.2263, -93.1659 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Russellville, AR (4 mi); Clarksville, AR (24 mi); Morrilton, AR (25 mi); Conway, AR (41 mi); Greenbrier, AR (44 mi), each a US Census place with its estimated population.
- Nearest smaller places: Pottsville, AR (6 mi); London, AR (8 mi); Dover, AR (12 mi) (US Census Bureau estimates).
What a personal loan costs in Dardanelle
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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 Dardanelle
Read the table as the compliance picture for a lender serving Dardanelle: 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 Dardanelle
Run through this list before signing anything in Dardanelle:
- 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.