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Personal loans in Marmaduke, AR

In Marmaduke, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. About 1,238 people live in Marmaduke, which ranks 168th of 500 Census places in Arkansas. The sourced table below lists the Arkansas rate caps and licensing rules a lender must follow on a loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Marmaduke at a glance

  • Population: roughly 1,238 people; 168th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 1,206 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: population rose about 2.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Arkansas places: 168th-largest of 500 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: larger than about 66% of the Census places in Arkansas (US Census Bureau).
  • Coordinates: 36.1900, -90.3851 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Rector, AR (7 mi); Paragould, AR (12 mi); Senath, MO (13 mi); Piggott, AR (17 mi); Corning, AR (19 mi) (US Census Bureau populations).
  • Nearest smaller communities: Lafe, AR (7 mi); Oak Grove Heights, AR (8 mi); Cardwell, MO (11 mi), each a US Census place.

What a personal loan costs in Marmaduke

A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.

The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Arkansas lending rules that apply in Marmaduke

Each row below is a Arkansas rule with its publisher and the date it was retrieved.

RuleDetailSource
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 statusNot 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 licensingSee 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 regulatorArkansas 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

How to compare offers in Marmaduke

Before you commit to a personal loan in Marmaduke, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Arkansas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Marmaduke?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Marmaduke are the same as elsewhere in Arkansas.
How much can I borrow with a personal loan in Marmaduke?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Marmaduke require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Marmaduke hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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