Vandervoort at a glance
- Population: 113 — 437th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 112 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 0.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 437th largest of 500 (US Census Bureau).
- Size percentile: larger than about 13% of the Census places in Arkansas (US Census Bureau).
- Coordinates: mapped at 34.3798, -94.3649 by the US Census Bureau Gazetteer.
- Nearest larger cities: Cove, AR (5 mi); Wickes, AR (6 mi); Hatfield, AR (7 mi); Grannis, AR (10 mi); Gillham, AR (15 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Daisy, AR (37 mi); Black Springs, AR (38 mi); Albion, OK (46 mi) (US Census Bureau).
What a personal loan costs in Vandervoort
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Arkansas lending rules that apply in Vandervoort
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Vandervoort.
| 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 Vandervoort
The order below is a sensible way to approach a loan in Vandervoort:
- 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.