Caulksville at a glance
- Population: a Census-estimated 156, placing it 404th among Arkansas's 500 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 155 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 0.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Arkansas places: 404th largest of 500 (US Census Bureau).
- Size percentile: roughly 19% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: it sits at 35.3018, -93.8678 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Ratcliff, AR (1 mi); Branch, AR (5 mi); Paris, AR (8 mi); Charleston, AR (10 mi); Denning, AR (11 mi) (US Census Bureau).
- Smaller towns nearby: Wiederkehr Village, AR (13 mi); Blue Mountain, AR (15 mi); Morrison Bluff, AR (20 mi) (US Census Bureau).
What a personal loan costs in Caulksville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Arkansas lending rules that apply in Caulksville
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Caulksville
Before you commit to a personal loan in Caulksville, 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.