Victoria at a glance
- Population: the Census estimates 18 residents, ranking 500th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 19 (US Census Bureau).
- 2020 to 2023 change: down about 5.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 500th of the state's 500 Census places (US Census Bureau).
- Size percentile: about 0% of places in Arkansas are smaller (US Census Bureau).
- Coordinates: 35.7574, -90.0601 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Keiser, AR (6 mi); Osceola, AR (6 mi); Dell, AR (7 mi); Luxora, AR (7 mi); Burdette, AR (8 mi) (US Census Bureau populations).
- Nearest smaller communities: none within the 120-mile radius we measure.
What a personal loan costs in Victoria
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
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 Victoria
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Victoria
The steps below are worth completing first when you borrow in Victoria:
- 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.