Diamond City at a glance
- Population: 822 — 199th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 753 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 9.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Arkansas places: the 199th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: about 60% of places in Arkansas are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 36.4576, -92.9110.
- Nearest larger cities: Bull Shoals, AR (19 mi); Harrison, AR (19 mi); Forsyth, MO (19 mi); Yellville, AR (20 mi); Hollister, MO (21 mi); US Census Bureau population estimates.
- Nearest smaller communities: Lead Hill, AR (3 mi); South Lead Hill, AR (4 mi); Bergman, AR (11 mi) (Census populations).
What a personal loan costs in Diamond City
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Arkansas lending rules that apply in Diamond City
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Diamond City
Run through this list before signing anything in Diamond City:
- 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.