Williford at a glance
- Population: 83 — 470th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 80 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 3.8% higher than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 470th in population of 500 places (US Census Bureau).
- Size percentile: ahead of around 6% of Arkansas places in population terms (US Census Bureau).
- Coordinates: 36.2518, -91.3605 (US Census Bureau Gazetteer).
- Nearest larger cities: Ravenden, AR (6 mi); Hardy, AR (8 mi); Ravenden Springs, AR (9 mi); Highland, AR (9 mi); Imboden, AR (11 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Delaplaine, AR (35 mi); Datto, AR (36 mi); Guion, AR (39 mi) (US Census Bureau).
What a personal loan costs in Williford
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Williford
The table lists the Arkansas rules that apply to a loan made in Williford, each with the regulator that published it.
| 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 Williford
The steps below are worth completing first when you borrow in Williford:
- 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.