Highfill at a glance
- Population: a Census-estimated 2,417, placing it 118th among Arkansas's 500 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,583 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 52.7% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 118th in population of 500 places (US Census Bureau).
- Size percentile: it exceeds roughly 76% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: 36.2744 latitude, -94.3239 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Centerton, AR (6 mi); Cave Springs, AR (6 mi); Elm Springs, AR (7 mi); Bentonville, AR (7 mi); Tontitown, AR (9 mi); US Census Bureau population estimates.
- Smaller towns nearby: Springtown, AR (6 mi); Decatur, AR (9 mi); Sulphur Springs, AR (16 mi) (US Census Bureau).
What a personal loan costs in Highfill
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.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Highfill
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Highfill
Before you share your details with a lender in Highfill:
- 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.