Hardy at a glance
- Population: 764, the 206th-largest community in Arkansas out of 500 (US Census Bureau, Vintage 2023).
- 2020 Census base: 743 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 2.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: the 206th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 59% of Arkansas's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 36.3196, -91.4815.
- Nearest larger cities: Highland, AR (4 mi); Cherokee Village, AR (5 mi); Ash Flat, AR (9 mi); Mammoth Spring, AR (12 mi); Thayer, MO (14 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Williford, AR (8 mi); Ravenden, AR (14 mi); Ravenden Springs, AR (14 mi) (US Census Bureau).
What a personal loan costs in Hardy
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Arkansas lending rules that apply in Hardy
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Hardy
Run through this list before signing anything in Hardy:
- 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.