Harrell at a glance
- Population: about 204, 369th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 209 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 2.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Arkansas places: 369th of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 26% of the places in Arkansas (US Census Bureau).
- Coordinates: 33.5099, -92.4001 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Hampton, AR (4 mi); Hermitage, AR (14 mi); Calion, AR (15 mi); Thornton, AR (19 mi); Bearden, AR (20 mi) (US Census Bureau).
- Smaller places nearby: Tinsman, AR (9 mi); Banks, AR (9 mi); Louann, AR (24 mi), per US Census Bureau estimates.
What a personal loan costs in Harrell
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Harrell
The Arkansas rate caps and licensing rules that reach Harrell are listed below, each with its source and retrieval date.
| 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 Harrell
Here is a short checklist for comparing personal loans in Harrell:
- 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.