Fountain Lake at a glance
- Population: about 474 residents, ranking 265th of 500 Census places in Arkansas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 475 (US Census Bureau).
- 2020 to 2023 change: down about 0.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 265th-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 47% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 34.6097, -92.9204.
- Nearest larger cities: Hot Springs, AR (11 mi); Mountain Pine, AR (15 mi); Rockport, AR (15 mi); Malvern, AR (17 mi); Haskell, AR (17 mi); US Census Bureau population estimates.
- Nearest smaller places: Lonsdale, AR (8 mi); Perla, AR (19 mi); Midway, AR (25 mi) (US Census Bureau estimates).
What a personal loan costs in Fountain Lake
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Fountain Lake
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Fountain Lake.
| 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 Fountain Lake
Before you share your details with a lender in Fountain Lake:
- 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.