Lowell at a glance
- Population: 11,466 (US Census Bureau, Vintage 2023 subcounty estimate), the 34th-largest of 500 places in Arkansas.
- 2020 Census base: the 2020 Census recorded 9,844 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 16.5% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 34th out of 500 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 93% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: 36.2559 latitude, -94.1534 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Rogers, AR (4 mi); Springdale, AR (4 mi); Bentonville, AR (8 mi); Centerton, AR (11 mi); Fayetteville, AR (13 mi); US Census Bureau population estimates.
- Nearest smaller towns: Cave Springs, AR (4 mi); Elm Springs, AR (6 mi); Tontitown, AR (8 mi) — US Census Bureau populations.
What a personal loan costs in Lowell
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
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 Lowell
The table lists the Arkansas rules that apply to a loan made in Lowell, 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 Lowell
These steps are the ones that most affect the offer you receive in Lowell:
- 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.