DeWitt at a glance
- Population: the Census estimates 2,893 residents, ranking 103rd of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 3,053 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 5.2% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 103rd out of 500 Census places (US Census Bureau).
- Size percentile: larger than about 79% of the Census places in Arkansas (US Census Bureau).
- Coordinates: 34.2874 / -91.3383, per the US Census Bureau Gazetteer.
- Nearest larger cities: Stuttgart, AR (19 mi); Dumas, AR (29 mi); Pine Bluff, AR (39 mi); White Hall, AR (44 mi); Helena-West Helena, AR (44 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Almyra, AR (9 mi); Gillett, AR (12 mi); St. Charles, AR (13 mi), per US Census Bureau estimates.
What a personal loan costs in DeWitt
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed 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.
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 DeWitt
The table lists the Arkansas rules that apply to a loan made in DeWitt, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in DeWitt
A few practical steps will make the process in DeWitt less costly:
- 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.