Menifee at a glance
- Population: the Census estimates 295 residents, ranking 326th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: 272 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 8.5% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 326th-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 35% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 35.1497, -92.5504 in the US Census Bureau Gazetteer.
- Nearest larger cities: Plumerville, AR (5 mi); Wooster, AR (7 mi); Conway, AR (7 mi); Morrilton, AR (11 mi); Greenbrier, AR (11 mi), each a US Census place with its estimated population.
- Smaller places close by: Houston, AR (11 mi); Fourche, AR (11 mi); Perry, AR (16 mi) (US Census Bureau).
What a personal loan costs in Menifee
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Menifee
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Menifee.
| 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 Menifee
These steps are the ones that most affect the offer you receive in Menifee:
- 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.