Pleasant Plains at a glance
- Population: about 350, 306th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 351 (US Census Bureau).
- 2020 to 2023 change: roughly 0.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 306th largest of 500 (US Census Bureau).
- Size percentile: about 39% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 35.5545, -91.6272 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Southside, AR (11 mi); Bradford, AR (13 mi); Newark, AR (15 mi); Batesville, AR (15 mi); Pangburn, AR (15 mi) (US Census Bureau populations).
- Nearest smaller communities: Oil Trough, AR (11 mi); Magness, AR (13 mi); Russell, AR (15 mi) (Census populations).
What a personal loan costs in Pleasant Plains
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Arkansas lending rules that apply in Pleasant Plains
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Pleasant Plains.
| 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 Pleasant Plains
Before you commit to a personal loan in Pleasant Plains, work through these steps:
- 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.