Rose Bud at a glance
- Population: about 497, 259th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 495 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 0.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Arkansas places: 259th in population of 500 places (US Census Bureau).
- Size percentile: larger than about 48% of the Census places in Arkansas (US Census Bureau).
- Coordinates: mapped at 35.3212, -92.0765 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Quitman, AR (9 mi); Heber Springs, AR (13 mi); Guy, AR (15 mi); Pangburn, AR (15 mi); Holland, AR (16 mi) (US Census Bureau populations).
- Nearest smaller towns: Mount Vernon, AR (7 mi); Enola, AR (11 mi); Letona, AR (14 mi) — US Census Bureau populations.
What a personal loan costs in Rose Bud
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Arkansas lending rules that apply in Rose Bud
The Arkansas rate caps and licensing rules that reach Rose Bud 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 Rose Bud
The order below is a sensible way to approach a loan in Rose Bud:
- 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.