Cabot at a glance
- Population: 27,190 — 19th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 26,567 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 2.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 19th largest of 500 (US Census Bureau).
- Size percentile: ahead of around 96% of Arkansas places in population terms (US Census Bureau).
- Coordinates: 34.9751 / -92.0283, per the US Census Bureau Gazetteer.
- Nearest larger cities: Jacksonville, AR (9 mi); Sherwood, AR (13 mi); North Little Rock, AR (18 mi); Little Rock, AR (25 mi); Conway, AR (26 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Austin, AR (3 mi); Ward, AR (5 mi); Beebe, AR (10 mi) (US Census Bureau).
What a personal loan costs in Cabot
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed 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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Arkansas lending rules that apply in Cabot
The table lists the Arkansas rules that apply to a loan made in Cabot, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cabot
These steps are the ones that most affect the offer you receive in Cabot:
- 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.