Rogers at a glance
- Population: 74,035 (US Census Bureau, Vintage 2023 subcounty estimate), the 6th-largest of 500 places in Arkansas.
- 2020 Census base: 69,912 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 5.9% higher than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 6th-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 99% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: 36.3181 latitude, -94.1523 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Springdale, AR (9 mi); Fayetteville, AR (17 mi); Fort Smith, AR (68 mi); Springfield, MO (77 mi); Broken Arrow, OK (93 mi), each a US Census place with its estimated population.
- Smaller places close by: Lowell, AR (4 mi); Little Flock, AR (5 mi); Bentonville, AR (5 mi) (US Census Bureau).
What a personal loan costs in Rogers
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Arkansas lending rules that apply in Rogers
The Arkansas rate caps and licensing rules that reach Rogers are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rogers
A few practical steps will make the process in Rogers less costly:
- 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.