Fulton at a glance
- Population: about 111, 439th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 114 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 2.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Arkansas places: the 439th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 12% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: latitude 33.6126, longitude -93.8138 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Hope, AR (13 mi); Ogden, AR (14 mi); Tollette, AR (15 mi); Texarkana, AR (16 mi); Perrytown, AR (17 mi) (US Census Bureau).
- Smaller towns nearby: McNab, AR (4 mi); Washington, AR (13 mi); Oakhaven, AR (14 mi) (US Census Bureau).
What a personal loan costs in Fulton
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Arkansas lending rules that apply in Fulton
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Fulton.
| 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 Fulton
The order below is a sensible way to approach a loan in Fulton:
- 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.