Thornton at a glance
- Population: the Census estimates 329 residents, ranking 312th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: 337 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 2.4% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 312th largest of 500 (US Census Bureau).
- Size percentile: it is larger than about 38% of the places in Arkansas (US Census Bureau).
- Coordinates: 33.7749 latitude, -92.4877 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Fordyce, AR (5 mi); Bearden, AR (8 mi); Kingsland, AR (12 mi); Hampton, AR (17 mi); East Camden, AR (19 mi) (US Census Bureau populations).
- Smaller towns nearby: Tinsman, AR (13 mi); Banks, AR (19 mi); Harrell, AR (19 mi) (US Census Bureau).
What a personal loan costs in Thornton
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Arkansas lending rules that apply in Thornton
The table lists the Arkansas rules that apply to a loan made in Thornton, each with the regulator that published it.
| 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 Thornton
These steps are the ones that most affect the offer you receive in Thornton:
- 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.