Atkins at a glance
- Population: roughly 2,884 people; 104th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,860 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 0.8% growth over the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 104th out of 500 Census places (US Census Bureau).
- Size percentile: about 79% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: 35.2409, -92.9496 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Pottsville, AR (6 mi); Russellville, AR (11 mi); Dardanelle, AR (12 mi); Morrilton, AR (13 mi); Conway, AR (30 mi) (US Census Bureau).
- Nearest smaller places: Oppelo, AR (14 mi); Dover, AR (14 mi); Adona, AR (14 mi) (US Census Bureau estimates).
What a personal loan costs in Atkins
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Atkins
The sourced rows below are the rules a licensed lender must follow when lending in Arkansas, and therefore in Atkins.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Atkins
A few practical steps will make the process in Atkins less costly:
- 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.