Haynes at a glance
- Population: the Census estimates 113 residents, ranking 436th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 119 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 5.0% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 436th largest of 500 (US Census Bureau).
- Size percentile: about 13% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 34.8909, -90.7927.
- Nearest larger cities (within 120 miles): Marianna, AR (8 mi); Forrest City, AR (8 mi); Palestine, AR (9 mi); Madison, AR (9 mi); Widener, AR (11 mi) (US Census Bureau populations).
- Nearest smaller towns: Aubrey, AR (13 mi); LaGrange, AR (17 mi); Hunter, AR (22 mi) — US Census Bureau populations.
What a personal loan costs in Haynes
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Arkansas lending rules that apply in Haynes
The sourced rows below are the rules a licensed lender must follow when lending in Arkansas, and therefore in Haynes.
| 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 Haynes
These steps are the ones that most affect the offer you receive in Haynes:
- 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.