Humphrey at a glance
- Population: a Census-estimated 445, placing it 275th among Arkansas's 500 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 465 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 4.3% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 275th by size among 500 communities (US Census Bureau).
- Size percentile: roughly 45% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 34.4224, -91.7025.
- Nearest larger cities (within 120 miles): Stuttgart, AR (10 mi); Altheimer, AR (11 mi); England, AR (17 mi); DeWitt, AR (23 mi); Pine Bluff, AR (23 mi) (US Census Bureau populations).
- Nearest smaller towns: Wabbaseka, AR (7 mi); Humnoke, AR (9 mi); Allport, AR (9 mi) (US Census Bureau).
What a personal loan costs in Humphrey
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Arkansas lending rules that apply in Humphrey
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Humphrey
Before you share your details with a lender in Humphrey:
- 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.