Warren at a glance
- Population: 5,211 (US Census Bureau, Vintage 2023 subcounty estimate), the 67th-largest of 500 places in Arkansas.
- 2020 Census base: 5,455 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 4.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 67th of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 87% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: 33.6118 latitude, -92.0677 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Monticello, AR (16 mi); Pine Bluff, AR (42 mi); El Dorado, AR (44 mi); Camden, AR (45 mi); White Hall, AR (46 mi); US Census Bureau population estimates.
- Smaller towns nearby: Wilmar, AR (8 mi); Banks, AR (12 mi); Hermitage, AR (13 mi) (US Census Bureau).
What a personal loan costs in Warren
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Arkansas lending rules that apply in Warren
The Arkansas rate caps and licensing rules that reach Warren are listed below, each with its source and retrieval date.
| 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 Warren
Run through this list before signing anything in Warren:
- 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.