Lead Hill at a glance
- Population: 284, the 334th-largest community in Arkansas out of 500 (US Census Bureau, Vintage 2023).
- 2020 Census base: 277 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 2.5% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: the 334th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 33% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: 36.4136 latitude, -92.9072 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Diamond City, AR (3 mi); Bergman, AR (9 mi); Summit, AR (17 mi); Harrison, AR (17 mi); Bellefonte, AR (17 mi) (US Census Bureau).
- Smaller places nearby: South Lead Hill, AR (1 mi); Zinc, AR (9 mi); Pyatt, AR (12 mi), per US Census Bureau estimates.
What a personal loan costs in Lead Hill
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Arkansas lending rules that apply in Lead Hill
Read the table as the compliance picture for a lender serving Lead Hill: label, sourced figure, publisher and date.
| 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 Lead Hill
The steps below are worth completing first when you borrow in Lead Hill:
- 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.