Sulphur Rock at a glance
- Population: 615, the 233rd-largest community in Arkansas out of 500 (US Census Bureau, Vintage 2023).
- 2020 Census base: 618 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 0.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 233rd out of 500 Census places (US Census Bureau).
- Size percentile: ahead of around 53% of Arkansas places in population terms (US Census Bureau).
- Coordinates: 35.7516 latitude, -91.5003 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Newark, AR (4 mi); Batesville, AR (7 mi); Southside, AR (8 mi); Cave City, AR (14 mi); Diaz, AR (15 mi); US Census Bureau population estimates.
- Nearest smaller communities: Magness, AR (4 mi); Moorefield, AR (4 mi); Oil Trough, AR (9 mi), each a US Census place.
What a personal loan costs in Sulphur Rock
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Arkansas lending rules that apply in Sulphur Rock
The sourced rows below are the rules a licensed lender must follow when lending in Arkansas, and therefore in Sulphur Rock.
| 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 Sulphur Rock
The order below is a sensible way to approach a loan in Sulphur Rock:
- 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.