Calico Rock at a glance
- Population: a Census-estimated 1,945, placing it 135th among Arkansas's 500 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 1,826 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 6.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 135th-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 73% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: latitude 36.1220, longitude -92.1259 (US Census Bureau Gazetteer).
- Nearest larger cities: Mountain View, AR (18 mi); Mountain Home, AR (21 mi); Horseshoe Bend, AR (23 mi); Gassville, AR (23 mi); Cherokee Village, AR (33 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Pineville, AR (3 mi); Norfork, AR (10 mi); Salesville, AR (12 mi) — US Census Bureau populations.
What a personal loan costs in Calico Rock
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Calico Rock
The table lists the Arkansas rules that apply to a loan made in Calico Rock, each with the regulator that published it.
| 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 Calico Rock
These steps are the ones that most affect the offer you receive in Calico Rock:
- 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.