Clinton at a glance
- Population: about 2,524 residents, ranking 113th of 500 Census places in Arkansas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 2,502 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 0.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: the 113th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 77% of Arkansas's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 35.5790, -92.4557 by the US Census Bureau Gazetteer.
- Nearest larger cities: Greenbrier, AR (25 mi); Heber Springs, AR (25 mi); Mountain View, AR (28 mi); Morrilton, AR (33 mi); Conway, AR (35 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Shirley, AR (9 mi); Fairfield Bay, AR (11 mi); Higden, AR (14 mi) (US Census Bureau).
What a personal loan costs in Clinton
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Arkansas lending rules that apply in Clinton
The table lists the Arkansas rules that apply to a loan made in Clinton, 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 Clinton
The order below is a sensible way to approach a loan in Clinton:
- 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.