Gentry at a glance
- Population: 4,449 residents, the 75th-largest of 500 places in Arkansas (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,804 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 17.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 75th largest of 500 (US Census Bureau).
- Size percentile: roughly 85% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: mapped at 36.2596, -94.4909 by the US Census Bureau Gazetteer.
- Nearest larger cities: Siloam Springs, AR (6 mi); Centerton, AR (13 mi); Cave Springs, AR (15 mi); Tontitown, AR (15 mi); Bentonville, AR (16 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Springtown, AR (4 mi); Decatur, AR (6 mi); West Siloam Springs, OK (8 mi) — US Census Bureau populations.
What a personal loan costs in Gentry
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Gentry
The table lists the Arkansas rules that apply to a loan made in Gentry, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Gentry
The order below is a sensible way to approach a loan in Gentry:
- 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.