Beebe at a glance
- Population: 8,871, the 42nd-largest community in Arkansas out of 500 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 8,427 (US Census Bureau).
- 2020 to 2023 change: about 5.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 42nd-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 92% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: 35.0724 / -91.9011, per the US Census Bureau Gazetteer.
- Nearest larger cities: Cabot, AR (10 mi); Searcy, AR (15 mi); Jacksonville, AR (19 mi); Sherwood, AR (23 mi); North Little Rock, AR (28 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: McRae, AR (5 mi); Ward, AR (5 mi); Austin, AR (7 mi), each a US Census place.
What a personal loan costs in Beebe
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Arkansas lending rules that apply in Beebe
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Beebe.
| 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 Beebe
The steps below are worth completing first when you borrow in Beebe:
- 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.