Roe at a glance
- Population: 67 — 478th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 70 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 4.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Arkansas places: 478th by size among 500 communities (US Census Bureau).
- Size percentile: about 4% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: latitude 34.6311, longitude -91.3860 (US Census Bureau Gazetteer).
- Nearest larger cities: Ulm, AR (6 mi); Clarendon, AR (6 mi); Holly Grove, AR (11 mi); De Valls Bluff, AR (12 mi); Fredonia (Biscoe), AR (13 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Fargo, AR (25 mi); Sherrill, AR (36 mi); LaGrange, AR (37 mi), per US Census Bureau estimates.
What a personal loan costs in Roe
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Arkansas lending rules that apply in Roe
Read the table as the compliance picture for a lender serving Roe: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Roe
The order below is a sensible way to approach a loan in Roe:
- 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.