Omaha at a glance
- Population: roughly 128 people; 423rd of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 125 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 2.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Arkansas places: 423rd-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 15% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: 36.4616, -93.1900 (US Census Bureau Gazetteer).
- Nearest larger cities: Hollister, MO (10 mi); Blue Eye, MO (11 mi); Kirbyville, MO (12 mi); Branson, MO (12 mi); Oak Grove, AR (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Blue Eye, AR (12 mi); Coney Island, MO (15 mi); South Lead Hill, AR (16 mi) (US Census Bureau estimates).
What a personal loan costs in Omaha
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Arkansas lending rules that apply in Omaha
The Arkansas rate caps and licensing rules that reach Omaha are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Omaha
A few practical steps will make the process in Omaha less costly:
- 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.