Jonesboro at a glance
- Population: about 80,650, 5th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 78,579 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 2.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 5th by size among 500 communities (US Census Bureau).
- Size percentile: about 99% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: 35.8198 latitude, -90.6790 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Memphis, TN (63 mi); US Census Bureau population estimates.
- Nearest smaller communities: Brookland, AR (8 mi); Bay, AR (9 mi); Bono, AR (9 mi) (Census populations).
What a personal loan costs in Jonesboro
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Jonesboro
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Jonesboro
Run through this list before signing anything in Jonesboro:
- 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.