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Personal loans in Ogden, AR

A personal loan in Ogden is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. With roughly 126 people, Ogden ranks 425th of 500 Census places in Arkansas. Arkansas sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Ogden at a glance

  • Population: 126 — 425th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 129 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: down roughly 2.3% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Arkansas places: 425th of 500 by population (US Census Bureau, Vintage 2023).
  • Size percentile: about 15% of places in Arkansas are smaller (US Census Bureau).
  • Coordinates: 33.5859, -94.0469 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities: Ashdown, AR (8 mi); Red Lick, TX (10 mi); Texarkana, TX (10 mi); Nash, TX (11 mi); Texarkana, AR (11 mi); each population is a US Census Bureau estimate.
  • Smaller places close by: McNab, AR (13 mi); Fulton, AR (14 mi); Domino, TX (23 mi) (US Census Bureau).

What a personal loan costs in Ogden

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.

Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.

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 Ogden

The table lists the Arkansas rules that apply to a loan made in Ogden, each with the regulator that published it.

RuleDetailSource
State lending regulatorArkansas 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 statusNot 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 licensingSee 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 Ogden

Before you commit to a personal loan in Ogden, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Arkansas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Ogden?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Ogden are the same as elsewhere in Arkansas.
How much can I borrow with a personal loan in Ogden?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Ogden require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Ogden hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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