Personalloaned Compare rates

AR · city page

Personal loans in Gravette, AR

In Gravette, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. Gravette is home to about 3,750 people and ranks 84th among the 500 Census places in Arkansas. Lenders in Arkansas work under state rate caps and licensing rules, each listed with its publisher in the table below.

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.

Gravette at a glance

  • Population: the Census estimates 3,750 residents, ranking 84th of 500 places in Arkansas (Vintage 2023).
  • 2020 Census base: 3,545 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: up roughly 5.8% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Arkansas places: 84th by size among 500 communities (US Census Bureau).
  • Size percentile: about 83% of Arkansas's Census places are smaller (US Census Bureau).
  • Coordinates: 36.4283 latitude, -94.3685 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities within 120 miles: Bella Vista, AR (6 mi); Centerton, AR (6 mi); Bentonville, AR (9 mi); Gentry, AR (14 mi); Pea Ridge, AR (14 mi) (US Census Bureau).
  • Nearest smaller towns: Sulphur Springs, AR (6 mi); Decatur, AR (7 mi); Jane, MO (8 mi) (US Census Bureau).

What a personal loan costs in Gravette

A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Arkansas lending rules that apply in Gravette

The table lists the Arkansas rules that apply to a loan made in Gravette, each with the regulator that published it.

RuleDetailSource
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
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

How to compare offers in Gravette

Before you share your details with a lender in Gravette:

  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 Gravette?
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 Gravette are the same as elsewhere in Arkansas.
How much can I borrow with a personal loan in Gravette?
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 Gravette 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 Gravette 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

Related