Des Arc at a glance
- Population: 1,845 — 142nd in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,910 (US Census Bureau).
- 2020 to 2023 change: a loss of about 3.4% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 142nd of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 72% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: 34.9784 / -91.5068, per the US Census Bureau Gazetteer.
- Nearest larger cities: Carlisle, AR (18 mi); Brinkley, AR (19 mi); Judsonia, AR (22 mi); Searcy, AR (22 mi); Augusta, AR (23 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Georgetown, AR (11 mi); Fredonia (Biscoe), AR (12 mi); Griffithville, AR (13 mi) — US Census Bureau populations.
What a personal loan costs in Des Arc
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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 Des Arc
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 |
|---|---|---|
| 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 Des Arc
Here is a short checklist for comparing personal loans in Des Arc:
- 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.