Bearden at a glance
- Population: 739 people, the 214th-largest place among Arkansas's 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 774 people (US Census Bureau, 2020 Census count).
- 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: 214th of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 57% of the Census places in Arkansas (US Census Bureau).
- Coordinates: 33.7277 latitude, -92.6187 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: East Camden, AR (11 mi); Fordyce, AR (13 mi); Hampton, AR (16 mi); Camden, AR (17 mi); Smackover, AR (26 mi), each a US Census place with its estimated population.
- Smaller places nearby: Thornton, AR (8 mi); Tinsman, AR (17 mi); Sparkman, AR (19 mi), per US Census Bureau estimates.
What a personal loan costs in Bearden
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.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Arkansas lending rules that apply in Bearden
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Bearden
Before you commit to a personal loan in Bearden, work through these steps:
- 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.