Marshall at a glance
- Population: about 1,315, 167th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,329 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 1.1% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: the 167th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: about 67% of places in Arkansas are smaller (US Census Bureau).
- Coordinates: 35.9085 / -92.6465, per the US Census Bureau Gazetteer.
- Nearest larger cities: Clinton, AR (25 mi); Flippin, AR (26 mi); Gassville, AR (27 mi); Fairfield Bay, AR (30 mi); Mountain View, AR (30 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Gilbert, AR (7 mi); Leslie, AR (7 mi); St. Joe, AR (12 mi), each a US Census place.
What a personal loan costs in Marshall
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Arkansas lending rules that apply in Marshall
The table lists the Arkansas rules that apply to a loan made in Marshall, each with the regulator that published it.
| 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 Marshall
Before you commit to a personal loan in Marshall, work through these steps:
- 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.