Oxford at a glance
- Population: 601 — 238th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 575 residents here (US Census Bureau).
- 2020 to 2023 change: about 4.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: the 238th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: about 52% of places in Arkansas are smaller (US Census Bureau).
- Coordinates: mapped at 36.2090, -91.9183 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Horseshoe Bend, AR (10 mi); Melbourne, AR (10 mi); Salem, AR (12 mi); Calico Rock, AR (13 mi); Ash Flat, AR (17 mi) (US Census Bureau).
- Smaller towns nearby: Franklin, AR (9 mi); Pineville, AR (11 mi); Viola, AR (14 mi) (US Census Bureau).
What a personal loan costs in Oxford
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Arkansas lending rules that apply in Oxford
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Oxford
Before you share your details with a lender in Oxford:
- 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.