Stuttgart at a glance
- Population: roughly 7,788 people; 50th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 8,266 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 5.8% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 50th-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 90% of Arkansas's places have fewer residents (US Census Bureau).
- Coordinates: latitude 34.4952, longitude -91.5486 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Pine Bluff, AR (33 mi); Jacksonville, AR (42 mi); Cabot, AR (43 mi); North Little Rock, AR (44 mi); Beebe, AR (45 mi) (US Census Bureau).
- Smaller places nearby: Ulm, AR (7 mi); Almyra, AR (10 mi); Humphrey, AR (10 mi), per US Census Bureau estimates.
What a personal loan costs in Stuttgart
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Stuttgart
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Stuttgart
Run through this list before signing anything in Stuttgart:
- 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.