Subiaco at a glance
- Population: about 408, 288th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 401 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 1.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 288th by size among 500 communities (US Census Bureau).
- Size percentile: ahead of around 42% of Arkansas places in population terms (US Census Bureau).
- Coordinates: latitude 35.2974, longitude -93.6394 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Paris, AR (5 mi); Hartman, AR (10 mi); Coal Hill, AR (10 mi); Altus, AR (12 mi); Magazine, AR (14 mi) (US Census Bureau populations).
- Nearest smaller places: Scranton, AR (7 mi); Morrison Bluff, AR (9 mi); Denning, AR (11 mi) (US Census Bureau estimates).
What a personal loan costs in Subiaco
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Arkansas lending rules that apply in Subiaco
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Subiaco
Run through this list before signing anything in Subiaco:
- 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.