Jacksonville at a glance
- Population: 29,094, the 18th-largest community in Arkansas out of 500 (US Census Bureau, Vintage 2023).
- 2020 Census base: 29,487 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 1.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 18th out of 500 Census places (US Census Bureau).
- Size percentile: roughly 96% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: 34.8805 / -92.1306, per the US Census Bureau Gazetteer.
- Nearest larger cities: Sherwood, AR (5 mi); North Little Rock, AR (9 mi); Little Rock, AR (17 mi); Conway, AR (23 mi); Benton, AR (33 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Cabot, AR (9 mi); Austin, AR (12 mi); Ward, AR (13 mi), per US Census Bureau estimates.
What a personal loan costs in Jacksonville
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our 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.
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 Jacksonville
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Jacksonville
These steps are the ones that most affect the offer you receive in Jacksonville:
- 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.