Tinsman at a glance
- Population: a Census-estimated 51, placing it 490th among Arkansas's 500 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 53 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 3.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 490th of the state's 500 Census places (US Census Bureau).
- Size percentile: roughly 2% of Arkansas's places have fewer residents (US Census Bureau).
- Coordinates: 33.6292 / -92.3533, per the US Census Bureau Gazetteer.
- Nearest larger cities: Banks, AR (6 mi); Harrell, AR (9 mi); Hampton, AR (9 mi); Thornton, AR (13 mi); Fordyce, AR (14 mi), each a US Census place with its estimated population.
- Smaller places nearby: Whelen Springs, AR (47 mi); Ozan, AR (80 mi); McNab, AR (85 mi), per US Census Bureau estimates.
What a personal loan costs in Tinsman
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Arkansas lending rules that apply in Tinsman
Read the table as the compliance picture for a lender serving Tinsman: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tinsman
Before you commit to a personal loan in Tinsman, 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.