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Personal loans in Holland, AR

For residents of Holland, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. About 595 people live in Holland, which ranks 240th of 500 Census places in Arkansas. The rate caps and licensing requirements that apply to a lender in Arkansas are set out in the sourced table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Holland at a glance

  • Population: 595 residents, the 240th-largest of 500 places in Arkansas (US Census Bureau, Vintage 2023).
  • 2020 Census base: 583 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: an increase of about 2.1% since the 2020 count (US Census Bureau).
  • Rank among Arkansas places: 240th in population of 500 places (US Census Bureau).
  • Size percentile: it is larger than about 52% of the places in Arkansas (US Census Bureau).
  • Coordinates: 35.1660 / -92.2770, per the US Census Bureau Gazetteer.
  • Nearest larger cities (120-mile radius): Vilonia, AR (7 mi); Greenbrier, AR (7 mi); Wooster, AR (10 mi); Guy, AR (12 mi); Conway, AR (12 mi) (US Census Bureau).
  • Nearest smaller towns: Enola, AR (4 mi); Mount Vernon, AR (10 mi); Twin Groves, AR (13 mi) (US Census Bureau).

What a personal loan costs in Holland

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.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

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 Holland

Each row below is a Arkansas rule with its publisher and the date it was retrieved.

RuleDetailSource
Payday lending statusNot 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 licensingSee 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 regulatorArkansas 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 Holland

Before you commit to a personal loan in Holland, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Arkansas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Holland?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Holland are the same as elsewhere in Arkansas.
How much can I borrow with a personal loan in Holland?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Holland require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Holland hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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