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Personal loans in Flippin, AR

In Flippin, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Flippin is home to about 1,331 people and ranks 166th among the 500 Census places in Arkansas. Arkansas sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Flippin at a glance

  • Population: a Census-estimated 1,331, placing it 166th among Arkansas's 500 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: 1,346 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: a decline of roughly 1.1% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Arkansas places: 166th of the state's 500 Census places (US Census Bureau).
  • Size percentile: ahead of around 67% of Arkansas places in population terms (US Census Bureau).
  • Coordinates: it sits at 36.2773, -92.5935 in the US Census Bureau Gazetteer.
  • Nearest larger cities: Gassville, AR (6 mi); Bull Shoals, AR (7 mi); Mountain Home, AR (12 mi); Calico Rock, AR (28 mi); Harrison, AR (29 mi); US Census Bureau population estimates.
  • Smaller towns nearby: Cotter, AR (4 mi); Summit, AR (6 mi); Yellville, AR (6 mi) (US Census Bureau).

What a personal loan costs in Flippin

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.

If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.

Arkansas lending rules that apply in Flippin

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.

RuleDetailSource
Small-loan / installment lender licensingSee 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 regulatorArkansas 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 statusNot 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 Flippin

These steps are the ones that most affect the offer you receive in Flippin:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Arkansas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Flippin?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Flippin are the same as elsewhere in Arkansas.
How much can I borrow with a personal loan in Flippin?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Flippin require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Flippin hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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