Mountainburg at a glance
- Population: 529 (US Census Bureau, Vintage 2023 subcounty estimate), the 247th-largest of 500 places in Arkansas.
- 2020 Census base: 523 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.1% more residents than the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 247th-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 51% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: latitude 35.6496, longitude -94.1624 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Dyer, AR (11 mi); Mulberry, AR (11 mi); Alma, AR (11 mi); Cedarville, AR (12 mi); Kibler, AR (16 mi) (US Census Bureau).
- Smaller places nearby: Chester, AR (2 mi); Rudy, AR (10 mi); Winslow, AR (11 mi), per US Census Bureau estimates.
What a personal loan costs in Mountainburg
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Arkansas lending rules that apply in Mountainburg
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Mountainburg
Run through this list before signing anything in Mountainburg:
- 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.