Gould at a glance
- Population: 632 (US Census Bureau, Vintage 2023 subcounty estimate), the 231st-largest of 500 places in Arkansas.
- 2020 Census base: 658 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 4.0% lower than the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 231st of the state's 500 Census places (US Census Bureau).
- Size percentile: roughly 54% of Arkansas's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 33.9872, -91.5640 in the US Census Bureau Gazetteer.
- Nearest larger cities: Dumas, AR (8 mi); Star City, AR (16 mi); DeWitt, AR (24 mi); McGehee, AR (27 mi); Monticello, AR (28 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Mitchellville, AR (7 mi); Grady, AR (10 mi); Gillett, AR (14 mi), each a US Census place.
What a personal loan costs in Gould
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Gould
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Gould
A few practical steps will make the process in Gould less costly:
- 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.