Stamps at a glance
- Population: 1,219, the 171st-largest community in Arkansas out of 500 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,261 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 3.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 171st of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 66% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: 33.3550 / -93.4979, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Magnolia, AR (17 mi); Hope, AR (22 mi); Springhill, LA (24 mi); Texarkana, AR (29 mi); Prescott, AR (32 mi) (US Census Bureau).
- Smaller places nearby: Buckner, AR (4 mi); Lewisville, AR (5 mi); Patmos, AR (12 mi), per US Census Bureau estimates.
What a personal loan costs in Stamps
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
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.
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 Stamps
Read the table as the compliance picture for a lender serving Stamps: label, sourced figure, publisher and date.
| 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 Stamps
Before you share your details with a lender in Stamps:
- 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.