Little Flock at a glance
- Population: 3,037 (US Census Bureau, Vintage 2023 subcounty estimate), the 100th-largest of 500 places in Arkansas.
- 2020 Census base: the 2020 count put the population at 3,053 (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.5% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 100th in population of 500 places (US Census Bureau).
- Size percentile: it exceeds roughly 80% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 36.3833, -94.1373.
- Nearest larger cities within 120 miles: Rogers, AR (5 mi); Pea Ridge, AR (5 mi); Bentonville, AR (6 mi); Lowell, AR (9 mi); Centerton, AR (9 mi) (US Census Bureau).
- Smaller towns nearby: Avoca, AR (4 mi); Garfield, AR (10 mi); Highfill, AR (13 mi) (US Census Bureau).
What a personal loan costs in Little Flock
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 APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Arkansas lending rules that apply in Little Flock
The Arkansas rate caps and licensing rules that reach Little Flock are listed below, each with its source and retrieval 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 Little Flock
A few practical steps will make the process in Little Flock less costly:
- 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.