South Lead Hill at a glance
- Population: 86 people, the 463rd-largest place among Arkansas's 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 84 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 2.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 463rd-largest of 500 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 7% of places in Arkansas are smaller (US Census Bureau).
- Coordinates: 36.3956 / -92.9062, per the US Census Bureau Gazetteer.
- Nearest larger cities: Lead Hill, AR (1 mi); Diamond City, AR (4 mi); Zinc, AR (8 mi); Bergman, AR (8 mi); Pyatt, AR (11 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Blue Eye, AR (28 mi); Gilbert, AR (30 mi); Coney Island, MO (30 mi) — US Census Bureau populations.
What a personal loan costs in South Lead Hill
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 South Lead Hill
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 South Lead Hill
A few practical steps will make the process in South Lead Hill 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.