Higden at a glance
- Population: the Census estimates 118 residents, ranking 430th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: 115 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 2.6% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 430th largest of 500 (US Census Bureau).
- Size percentile: it is larger than about 14% of the places in Arkansas (US Census Bureau).
- Coordinates: 35.5664, -92.2052 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Greers Ferry, AR (2 mi); Fairfield Bay, AR (4 mi); Shirley, AR (8 mi); Heber Springs, AR (11 mi); Quitman, AR (13 mi) (US Census Bureau).
- Smaller places nearby: Guion, AR (29 mi); Big Flat, AR (32 mi); Gilbert, AR (41 mi), per US Census Bureau estimates.
What a personal loan costs in Higden
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
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 Higden
The table lists the Arkansas rules that apply to a loan made in Higden, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Higden
These steps are the ones that most affect the offer you receive in Higden:
- 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.