Perryville at a glance
- Population: roughly 1,401 people; 164th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 1,371 (US Census Bureau).
- 2020 to 2023 change: roughly 2.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 164th of the state's 500 Census places (US Census Bureau).
- Size percentile: it is larger than about 67% of the places in Arkansas (US Census Bureau).
- Coordinates: 35.0120, -92.8029 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Morrilton, AR (11 mi); Atkins, AR (18 mi); Conway, AR (19 mi); Pottsville, AR (21 mi); Mayflower, AR (22 mi) (US Census Bureau populations).
- Smaller places nearby: Perry, AR (2 mi); Adona, AR (6 mi); Houston, AR (6 mi), per US Census Bureau estimates.
What a personal loan costs in Perryville
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Perryville
The sourced rows below are the rules a licensed lender must follow when lending in Arkansas, and therefore in Perryville.
| 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 Perryville
These steps are the ones that most affect the offer you receive in Perryville:
- 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.