Caddo Valley at a glance
- Population: 590 (US Census Bureau, Vintage 2023 subcounty estimate), the 242nd-largest of 500 places in Arkansas.
- 2020 Census base: 594 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.7% below the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 242nd of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 52% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: 34.1807, -93.0846 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Arkadelphia, AR (4 mi); Gurdon, AR (19 mi); Malvern, AR (20 mi); Hot Springs, AR (21 mi); Rockport, AR (22 mi) (US Census Bureau).
- Smaller towns nearby: Friendship, AR (6 mi); Midway, AR (8 mi); Gum Springs, AR (8 mi) (US Census Bureau).
What a personal loan costs in Caddo Valley
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Caddo Valley
The Arkansas rate caps and licensing rules that reach Caddo Valley are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Caddo Valley
These steps are the ones that most affect the offer you receive in Caddo Valley:
- 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.