Springtown at a glance
- Population: the Census estimates 90 residents, ranking 459th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 86 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 459th of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 8% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: 36.2603 / -94.4238, per the US Census Bureau Gazetteer.
- Nearest larger cities: Gentry, AR (4 mi); Highfill, AR (6 mi); Decatur, AR (6 mi); Siloam Springs, AR (8 mi); Centerton, AR (10 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Ginger Blue, MO (23 mi); Grand Lake Towne, OK (38 mi); Beaver, AR (39 mi), each a US Census place.
What a personal loan costs in Springtown
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Arkansas lending rules that apply in Springtown
The Arkansas rate caps and licensing rules that reach Springtown are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Springtown
Here is a short checklist for comparing personal loans in Springtown:
- 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.