Bellefonte at a glance
- Population: 426 people, the 282nd-largest place among Arkansas's 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 413 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 3.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Arkansas places: 282nd of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 44% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: 36.1999 latitude, -93.0470 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Harrison, AR (5 mi); Bergman, AR (8 mi); Jasper, AR (15 mi); Diamond City, AR (19 mi); Yellville, AR (20 mi), each a US Census place with its estimated population.
- Smaller places nearby: Valley Springs, AR (5 mi); Everton, AR (8 mi); Western Grove, AR (9 mi), per US Census Bureau estimates.
What a personal loan costs in Bellefonte
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Arkansas lending rules that apply in Bellefonte
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Bellefonte
A few practical steps will make the process in Bellefonte 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.