Marked Tree at a glance
- Population: 2,202, the 127th-largest community in Arkansas out of 500 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,279 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down roughly 3.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Arkansas places: 127th-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 75% of places in Arkansas are smaller (US Census Bureau).
- Coordinates: latitude 35.5279, longitude -90.4266 (US Census Bureau Gazetteer).
- Nearest larger cities: Trumann, AR (12 mi); Harrisburg, AR (17 mi); Lake City, AR (20 mi); Jonesboro, AR (25 mi); Marion, AR (26 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Tyronza, AR (5 mi); Lepanto, AR (8 mi); Birdsong, AR (10 mi) (US Census Bureau).
What a personal loan costs in Marked Tree
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Arkansas lending rules that apply in Marked Tree
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Marked Tree
Here is a short checklist for comparing personal loans in Marked Tree:
- 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.