Briarcliff at a glance
- Population: about 247, 350th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 233 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 6.0% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 350th in population of 500 places (US Census Bureau).
- Size percentile: roughly 30% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: 36.2720, -92.2821 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Salesville, AR (2 mi); Norfork, AR (4 mi); Mountain Home, AR (7 mi); Gassville, AR (11 mi); Cotter, AR (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Pineville, AR (12 mi); Bakersfield, MO (19 mi); Big Flat, AR (20 mi), each a US Census place.
What a personal loan costs in Briarcliff
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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 longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Arkansas lending rules that apply in Briarcliff
Read the table as the compliance picture for a lender serving Briarcliff: label, sourced figure, publisher and date.
| 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 Briarcliff
Here is a short checklist for comparing personal loans in Briarcliff:
- 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.