Denning at a glance
- Population: the Census estimates 205 residents, ranking 368th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: 199 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 3.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 368th out of 500 Census places (US Census Bureau).
- Size percentile: larger than about 26% of the Census places in Arkansas (US Census Bureau).
- Coordinates: latitude 35.4252, longitude -93.7568 (US Census Bureau Gazetteer).
- Nearest larger cities: Altus, AR (2 mi); Coal Hill, AR (5 mi); Hartman, AR (7 mi); Ozark, AR (7 mi); Paris, AR (9 mi); US Census Bureau population estimates.
- Smaller places close by: Wiederkehr Village, AR (4 mi); Caulksville, AR (11 mi); Ratcliff, AR (11 mi) (US Census Bureau).
What a personal loan costs in Denning
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Arkansas lending rules that apply in Denning
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Denning.
| 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 Denning
Before you share your details with a lender in Denning:
- 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.