Ratcliff at a glance
- Population: 166 — 396th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 166 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: no meaningful change since the 2020 count (US Census Bureau).
- Rank among Arkansas places: the 396th-largest of 500 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 21% of the Census places in Arkansas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 35.3069, -93.8886.
- Nearest larger cities: Branch, AR (4 mi); Paris, AR (9 mi); Charleston, AR (9 mi); Denning, AR (11 mi); Magazine, AR (12 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Caulksville, AR (1 mi); Wiederkehr Village, AR (14 mi); Blue Mountain, AR (16 mi) — US Census Bureau populations.
What a personal loan costs in Ratcliff
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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 Ratcliff
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| 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 Ratcliff
The steps below are worth completing first when you borrow in Ratcliff:
- 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.