Rockport at a glance
- Population: 680 residents, the 222nd-largest of 500 places in Arkansas (US Census Bureau, Vintage 2023).
- 2020 Census base: 681 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.1% below the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 222nd by size among 500 communities (US Census Bureau).
- Size percentile: ahead of around 56% of Arkansas places in population terms (US Census Bureau).
- Coordinates: mapped at 34.4053, -92.8086 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Malvern, AR (2 mi); Haskell, AR (12 mi); Hot Springs, AR (15 mi); Benton, AR (18 mi); Sheridan, AR (22 mi) (US Census Bureau).
- Nearest smaller communities: Perla, AR (3 mi); Traskwood, AR (9 mi); Lonsdale, AR (10 mi), each a US Census place.
What a personal loan costs in Rockport
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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 Rockport
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Rockport
Run through this list before signing anything in Rockport:
- 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.