Gosnell at a glance
- Population: 2,733 — 107th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 2,909 (US Census Bureau).
- 2020 to 2023 change: down about 6.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 107th in population of 500 places (US Census Bureau).
- Size percentile: roughly 79% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: mapped at 35.9649, -89.9686 by the US Census Bureau Gazetteer.
- Nearest larger cities: Blytheville, AR (4 mi); Manila, AR (12 mi); Osceola, AR (19 mi); Kennett, MO (20 mi); Caruthersville, MO (23 mi), each a US Census place with its estimated population.
- Smaller places nearby: Dell, AR (8 mi); Holland, MO (8 mi); Rives, MO (9 mi), per US Census Bureau estimates.
What a personal loan costs in Gosnell
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Arkansas lending rules that apply in Gosnell
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Gosnell.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Gosnell
Run through this list before signing anything in Gosnell:
- 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.