Springdale at a glance
- Population: about 88,224, 4th by size in Arkansas of 500 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 87,320 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 4th in population of 500 places (US Census Bureau).
- Size percentile: ahead of around 99% of Arkansas places in population terms (US Census Bureau).
- Coordinates: 36.1914 / -94.1551, per the US Census Bureau Gazetteer.
- Nearest larger cities: Fayetteville, AR (8 mi); Fort Smith, AR (59 mi); Springfield, MO (84 mi); Broken Arrow, OK (91 mi); Tulsa, OK (98 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Johnson, AR (4 mi); Lowell, AR (4 mi); Elm Springs, AR (5 mi), per US Census Bureau estimates.
What a personal loan costs in Springdale
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Arkansas lending rules that apply in Springdale
Read the table as the compliance picture for a lender serving Springdale: label, sourced figure, publisher and date.
| 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 Springdale
A few practical steps will make the process in Springdale 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.