Sulphur Springs at a glance
- Population: 468, the 268th-largest community in Arkansas out of 500 (US Census Bureau, Vintage 2023).
- 2020 Census base: 481 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 2.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 268th in population of 500 places (US Census Bureau).
- Size percentile: ahead of around 46% of Arkansas places in population terms (US Census Bureau).
- Coordinates: 36.4841, -94.4601 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Noel, MO (4 mi); Gravette, AR (6 mi); Pineville, MO (7 mi); Southwest City, MO (9 mi); Decatur, AR (9 mi) (US Census Bureau populations).
- Smaller places nearby: Ginger Blue, MO (7 mi); Lanagan, MO (8 mi); Jane, MO (9 mi), per US Census Bureau estimates.
What a personal loan costs in Sulphur Springs
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Arkansas lending rules that apply in Sulphur Springs
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Sulphur Springs.
| 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 Sulphur Springs
The steps below are worth completing first when you borrow in Sulphur Springs:
- 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.