Wabbaseka at a glance
- Population: 174 — 387th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 184 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 5.4% below the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 387th in population of 500 places (US Census Bureau).
- Size percentile: it exceeds roughly 23% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 34.3598, -91.7938.
- Nearest larger cities within 120 miles: Altheimer, AR (4 mi); Humphrey, AR (7 mi); Humnoke, AR (13 mi); England, AR (16 mi); Pine Bluff, AR (16 mi) (US Census Bureau).
- Smaller places close by: Sherrill, AR (9 mi); Allport, AR (12 mi); Coy, AR (13 mi) (US Census Bureau).
What a personal loan costs in Wabbaseka
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
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 Wabbaseka
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 Wabbaseka
Run through this list before signing anything in Wabbaseka:
- 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.