England at a glance
- Population: about 2,441, 117th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,480 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 1.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Arkansas places: the 117th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 77% of Arkansas places in population terms (US Census Bureau).
- Coordinates: 34.5454, -91.9674 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Lonoke, AR (17 mi); White Hall, AR (20 mi); North Little Rock, AR (22 mi); Pine Bluff, AR (23 mi); Stuttgart, AR (24 mi) (US Census Bureau).
- Smaller places close by: Keo, AR (5 mi); Coy, AR (5 mi); Allport, AR (10 mi) (US Census Bureau).
What a personal loan costs in England
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 England
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in England.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in England
Before you share your details with a lender in England:
- 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.