Holiday Island at a glance
- Population: 2,415 — 119th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,374 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 1.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 119th in population of 500 places (US Census Bureau).
- Size percentile: about 76% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 36.4842, -93.7368.
- Nearest larger cities: Berryville, AR (12 mi); Cassville, MO (15 mi); Green Forest, AR (20 mi); Pea Ridge, AR (22 mi); Little Flock, AR (23 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Beaver, AR (2 mi); Chain-O-Lakes, MO (4 mi); Eureka Springs, AR (5 mi) — US Census Bureau populations.
What a personal loan costs in Holiday Island
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Arkansas lending rules that apply in Holiday Island
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Holiday Island.
| 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 Holiday Island
Before you commit to a personal loan in Holiday Island, work through these steps:
- 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.