Reyno at a glance
- Population: 395 — 291st in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 391 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 291st out of 500 Census places (US Census Bureau).
- Size percentile: roughly 42% of Arkansas's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 36.3609, -90.7590 by the US Census Bureau Gazetteer.
- Nearest larger cities: Corning, AR (10 mi); Pocahontas, AR (14 mi); Naylor, MO (17 mi); Lafe, AR (18 mi); Doniphan, MO (18 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Datto, AR (3 mi); Biggers, AR (3 mi); Success, AR (7 mi) (US Census Bureau).
What a personal loan costs in Reyno
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Arkansas lending rules that apply in Reyno
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Reyno
The steps below are worth completing first when you borrow in Reyno:
- 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.