Ogden at a glance
- Population: 126 — 425th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 129 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down roughly 2.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Arkansas places: 425th of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 15% of places in Arkansas are smaller (US Census Bureau).
- Coordinates: 33.5859, -94.0469 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Ashdown, AR (8 mi); Red Lick, TX (10 mi); Texarkana, TX (10 mi); Nash, TX (11 mi); Texarkana, AR (11 mi); each population is a US Census Bureau estimate.
- Smaller places close by: McNab, AR (13 mi); Fulton, AR (14 mi); Domino, TX (23 mi) (US Census Bureau).
What a personal loan costs in Ogden
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Arkansas lending rules that apply in Ogden
The table lists the Arkansas rules that apply to a loan made in Ogden, 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 Ogden
Before you commit to a personal loan in Ogden, 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.