Blue Mountain at a glance
- Population: about 90 residents, ranking 458th of 500 Census places in Arkansas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 87 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 3.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 458th out of 500 Census places (US Census Bureau).
- Size percentile: roughly 8% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 35.1318, -93.7167.
- Nearest larger cities (within 120 miles): Magazine, AR (5 mi); Havana, AR (11 mi); Paris, AR (11 mi); Booneville, AR (11 mi); Subiaco, AR (12 mi) (US Census Bureau populations).
- Nearest smaller communities: Corinth, AR (17 mi); Morrison Bluff, AR (21 mi); Wiederkehr Village, AR (24 mi) (Census populations).
What a personal loan costs in Blue Mountain
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Blue Mountain
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 |
|---|---|---|
| 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 Blue Mountain
Run through this list before signing anything in Blue Mountain:
- 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.