Rudy at a glance
- Population: 130 — 421st in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 129 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 0.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 421st largest of 500 (US Census Bureau).
- Size percentile: larger than about 16% of the Census places in Arkansas (US Census Bureau).
- Coordinates: 35.5275 / -94.2404, per the US Census Bureau Gazetteer.
- Nearest larger cities: Alma, AR (3 mi); Dyer, AR (6 mi); Kibler, AR (7 mi); Cedarville, AR (8 mi); Van Buren, AR (8 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Moffett, OK (15 mi); Wiederkehr Village, AR (27 mi); St. Paul, AR (34 mi) (US Census Bureau).
What a personal loan costs in Rudy
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Arkansas lending rules that apply in Rudy
The table lists the Arkansas rules that apply to a loan made in Rudy, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rudy
Run through this list before signing anything in Rudy:
- 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.