Bryant at a glance
- Population: roughly 21,877 people; 24th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 20,660 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 5.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 24th by size among 500 communities (US Census Bureau).
- Size percentile: about 95% of places in Arkansas are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 34.6151, -92.4913.
- Nearest larger cities (within 120 miles): Benton, AR (5 mi); Little Rock, AR (11 mi); North Little Rock, AR (19 mi); Sherwood, AR (23 mi); Jacksonville, AR (27 mi) (US Census Bureau populations).
- Nearest smaller communities: Alexander, AR (2 mi); Bauxite, AR (4 mi); Shannon Hills, AR (5 mi), each a US Census place.
What a personal loan costs in Bryant
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Arkansas lending rules that apply in Bryant
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 Bryant
Before you commit to a personal loan in Bryant, 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.