Kibler at a glance
- Population: 1,034 — 184th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,007 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.7% growth over the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 184th of the state's 500 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 63% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: mapped at 35.4252, -94.2361 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Alma, AR (5 mi); Barling, AR (7 mi); Van Buren, AR (7 mi); Lavaca, AR (7 mi); Fort Smith, AR (9 mi) (US Census Bureau populations).
- Smaller places close by: Central City, AR (6 mi); Rudy, AR (7 mi); Dyer, AR (7 mi) (US Census Bureau).
What a personal loan costs in Kibler
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.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Arkansas lending rules that apply in Kibler
The table lists the Arkansas rules that apply to a loan made in Kibler, each with the regulator that published it.
| 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 Kibler
Run through this list before signing anything in Kibler:
- 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.