Bradley at a glance
- Population: about 394 residents, ranking 293rd of 500 Census places in Arkansas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 409 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 3.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Arkansas places: the 293rd-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 41% of Arkansas places in population terms (US Census Bureau).
- Coordinates: 33.1001 / -93.6569, per the US Census Bureau Gazetteer.
- Nearest larger cities: Taylor, AR (11 mi); Springhill, LA (13 mi); Plain Dealing, LA (14 mi); Cullen, LA (15 mi); Fouke, AR (17 mi), each a US Census place with its estimated population.
- Smaller places close by: Ida, LA (16 mi); Garland, AR (18 mi); Hosston, LA (20 mi) (US Census Bureau).
What a personal loan costs in Bradley
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less 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 Bradley
The sourced rows below are the rules a licensed lender must follow when lending in Arkansas, and therefore in Bradley.
| 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 Bradley
Before you commit to a personal loan in Bradley, 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.