Ben Lomond at a glance
- Population: roughly 136 people; 416th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 137 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 0.7% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 416th largest of 500 (US Census Bureau).
- Size percentile: roughly 17% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: latitude 33.8291, longitude -94.1233 (US Census Bureau Gazetteer).
- Nearest larger cities: Wilton, AR (6 mi); Lockesburg, AR (10 mi); Ashdown, AR (11 mi); Mineral Springs, AR (12 mi); Tollette, AR (13 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Winthrop, AR (13 mi); Ogden, AR (17 mi); McNab, AR (20 mi) (US Census Bureau).
What a personal loan costs in Ben Lomond
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 APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Arkansas lending rules that apply in Ben Lomond
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Ben Lomond
These steps are the ones that most affect the offer you receive in Ben Lomond:
- 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.