Keo at a glance
- Population: about 203, 370th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 205 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 1.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 370th in population of 500 places (US Census Bureau).
- Size percentile: it exceeds roughly 26% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: it sits at 34.6093, -92.0116 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): England, AR (5 mi); Wrightsville, AR (12 mi); Lonoke, AR (14 mi); Humnoke, AR (15 mi); Redfield, AR (15 mi) (US Census Bureau populations).
- Smaller towns nearby: Coy, AR (9 mi); Allport, AR (14 mi); Sherrill, AR (16 mi) (US Census Bureau).
What a personal loan costs in Keo
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.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Arkansas lending rules that apply in Keo
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Keo
The order below is a sensible way to approach a loan in Keo:
- 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.