Huntington at a glance
- Population: roughly 489 people; 261st of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 491 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.4% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 261st of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 48% of Arkansas's places have fewer residents (US Census Bureau).
- Coordinates: 35.0817, -94.2663 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Mansfield, AR (2 mi); Hartford, AR (8 mi); Greenwood, AR (9 mi); Hackett, AR (11 mi); Bonanza, AR (13 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Midland, AR (5 mi); Cameron, OK (16 mi); Central City, AR (18 mi), each a US Census place.
What a personal loan costs in Huntington
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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 lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Huntington
Read the table as the compliance picture for a lender serving Huntington: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Huntington
Before you share your details with a lender in Huntington:
- 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.