Manila at a glance
- Population: a Census-estimated 3,714, placing it 86th among Arkansas's 500 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 3,687 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: the 86th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 83% of the Census places in Arkansas (US Census Bureau).
- Coordinates: 35.8844 / -90.1656, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Blytheville, AR (15 mi); Osceola, AR (17 mi); Paragould, AR (23 mi); Brookland, AR (23 mi); Trumann, AR (25 mi) (US Census Bureau populations).
- Nearest smaller communities: Leachville, AR (5 mi); Dell, AR (8 mi); Monette, AR (10 mi), each a US Census place.
What a personal loan costs in Manila
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Manila
Read the table as the compliance picture for a lender serving Manila: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Manila
Run through this list before signing anything in Manila:
- 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.