Rosston at a glance
- Population: 269, the 339th-largest community in Arkansas out of 500 (US Census Bureau, Vintage 2023).
- 2020 Census base: 270 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 0.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 339th of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 32% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: 33.5880, -93.2869 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Emmet, AR (14 mi); Prescott, AR (16 mi); Waldo, AR (16 mi); Stephens, AR (17 mi); McNeil, AR (17 mi) (US Census Bureau populations).
- Smaller places close by: Cale, AR (4 mi); Willisville, AR (5 mi); Bodcaw, AR (6 mi) (US Census Bureau).
What a personal loan costs in Rosston
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Rosston
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Rosston
The steps below are worth completing first when you borrow in Rosston:
- 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.