Tontitown at a glance
- Population: a Census-estimated 7,364, placing it 53rd among Arkansas's 500 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 4,300 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 71.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Arkansas places: 53rd in population of 500 places (US Census Bureau).
- Size percentile: it exceeds roughly 89% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: it sits at 36.1674, -94.2421 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Springdale, AR (5 mi); Fayetteville, AR (8 mi); Lowell, AR (8 mi); Farmington, AR (9 mi); Rogers, AR (12 mi) (US Census Bureau).
- Smaller places nearby: Elm Springs, AR (3 mi); Johnson, AR (4 mi); Cave Springs, AR (7 mi), per US Census Bureau estimates.
What a personal loan costs in Tontitown
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Tontitown
Each row below is a Arkansas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tontitown
The steps below are worth completing first when you borrow in Tontitown:
- 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.