Bluff City at a glance
- Population: the Census estimates 113 residents, ranking 435th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: 115 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 1.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 435th by size among 500 communities (US Census Bureau).
- Size percentile: about 13% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: 33.7351, -93.1246 (US Census Bureau Gazetteer).
- Nearest larger cities: Chidester, AR (6 mi); Gurdon, AR (13 mi); Rosston, AR (14 mi); Prescott, AR (16 mi); Willisville, AR (18 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Whelen Springs, AR (7 mi); Cale, AR (10 mi); Okolona, AR (22 mi) (US Census Bureau).
What a personal loan costs in Bluff City
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Bluff City
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 Bluff City
Before you commit to a personal loan in Bluff City, 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.