Judsonia at a glance
- Population: 1,881 — 141st in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,856 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 1.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: the 141st-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 72% of the places in Arkansas (US Census Bureau).
- Coordinates: mapped at 35.2764, -91.6416 by the US Census Bureau Gazetteer.
- Nearest larger cities: Bald Knob, AR (5 mi); Searcy, AR (6 mi); Augusta, AR (16 mi); Beebe, AR (20 mi); Ward, AR (25 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Kensett, AR (3 mi); West Point, AR (5 mi); Higginson, AR (7 mi) (US Census Bureau).
What a personal loan costs in Judsonia
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Arkansas lending rules that apply in Judsonia
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Judsonia
The order below is a sensible way to approach a loan in Judsonia:
- 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.