Dumas at a glance
- Population: the Census estimates 3,662 residents, ranking 88th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: 4,004 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 8.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 88th in population of 500 places (US Census Bureau).
- Size percentile: about 82% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 33.8834, -91.4856 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Monticello, AR (25 mi); Pine Bluff, AR (38 mi); Warren, AR (38 mi); Stuttgart, AR (42 mi); Greenville, MS (43 mi) (US Census Bureau populations).
- Nearest smaller communities: Mitchellville, AR (2 mi); Winchester, AR (8 mi); Gould, AR (8 mi), each a US Census place.
What a personal loan costs in Dumas
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Arkansas lending rules that apply in Dumas
The sourced rows below are the rules a licensed lender must follow when lending in Arkansas, and therefore in Dumas.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dumas
Run through this list before signing anything in Dumas:
- 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.