North Little Rock at a glance
- Population: about 64,531, 8th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 64,602 (US Census Bureau).
- 2020 to 2023 change: about 0.1% lower than the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 8th-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 98% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 34.7818, -92.2351.
- Nearest larger cities: Little Rock, AR (8 mi); Conway, AR (24 mi); Jonesboro, AR (113 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Sherwood, AR (5 mi); Cammack Village, AR (6 mi); Jacksonville, AR (9 mi), per US Census Bureau estimates.
What a personal loan costs in North Little Rock
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Arkansas lending rules that apply in North Little Rock
Read the table as the compliance picture for a lender serving North Little Rock: label, sourced figure, publisher and date.
| 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 North Little Rock
The steps below are worth completing first when you borrow in North Little Rock:
- 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.