Lonsdale at a glance
- Population: a Census-estimated 107, placing it 441st among Arkansas's 500 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 103 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 3.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Arkansas places: 441st out of 500 Census places (US Census Bureau).
- Size percentile: about 12% of places in Arkansas are smaller (US Census Bureau).
- Coordinates: it sits at 34.5450, -92.8106 in the US Census Bureau Gazetteer.
- Nearest larger cities: Fountain Lake, AR (8 mi); Rockport, AR (10 mi); Haskell, AR (10 mi); Traskwood, AR (10 mi); Malvern, AR (12 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Fourche, AR (33 mi); Gum Springs, AR (37 mi); Okolona, AR (48 mi) (US Census Bureau).
What a personal loan costs in Lonsdale
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Arkansas lending rules that apply in Lonsdale
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lonsdale
A few practical steps will make the process in Lonsdale 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.