Valley Springs at a glance
- Population: the Census estimates 190 residents, ranking 379th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 182 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 4.4% since the 2020 count (US Census Bureau).
- Rank among Arkansas places: 379th of the state's 500 Census places (US Census Bureau).
- Size percentile: about 24% of Arkansas's Census places are smaller (US Census Bureau).
- Coordinates: 36.1538 / -92.9897, per the US Census Bureau Gazetteer.
- Nearest larger cities: Western Grove, AR (4 mi); Bellefonte, AR (5 mi); Harrison, AR (9 mi); Pyatt, AR (10 mi); Bergman, AR (11 mi); US Census Bureau population estimates.
- Nearest smaller communities: Everton, AR (4 mi); Pindall, AR (9 mi); Zinc, AR (10 mi), each a US Census place.
What a personal loan costs in Valley Springs
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Valley Springs
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Valley 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 Valley Springs
Run through this list before signing anything in Valley 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.