Fredonia (Biscoe) at a glance
- Population: 297 — 324th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 305 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.6% below the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 324th in population of 500 places (US Census Bureau).
- Size percentile: it exceeds roughly 35% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: mapped at 34.8194, -91.4102 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): De Valls Bluff, AR (4 mi); Hazen, AR (9 mi); Clarendon, AR (11 mi); Des Arc, AR (12 mi); Brinkley, AR (13 mi) (US Census Bureau populations).
- Nearest smaller towns: Roe, AR (13 mi); Fargo, AR (16 mi); Ulm, AR (17 mi) (US Census Bureau).
What a personal loan costs in Fredonia (Biscoe)
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Arkansas lending rules that apply in Fredonia (Biscoe)
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Fredonia (Biscoe)
Before you share your details with a lender in Fredonia (Biscoe):
- 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.