St. Francis at a glance
- Population: 209 (US Census Bureau, Vintage 2023 subcounty estimate), the 367th-largest of 500 places in Arkansas.
- 2020 Census base: 215 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.8% below the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 367th in population of 500 places (US Census Bureau).
- Size percentile: it exceeds roughly 27% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: 36.4549, -90.1422 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Campbell, MO (5 mi); Piggott, AR (6 mi); Holcomb, MO (7 mi); Clarkton, MO (10 mi); Qulin, MO (11 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Pollard, AR (7 mi); Greenway, AR (9 mi); Nimmons, AR (11 mi) (US Census Bureau).
What a personal loan costs in St. Francis
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Arkansas lending rules that apply in St. Francis
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in St. Francis.
| 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 St. Francis
Before you commit to a personal loan in St. Francis, work through these steps:
- 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.