Western Grove at a glance
- Population: the Census estimates 349 residents, ranking 308th of 500 places in Arkansas (Vintage 2023).
- 2020 Census base: 357 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.2% below the 2020 Census base (US Census Bureau).
- Rank among Arkansas places: 308th by size among 500 communities (US Census Bureau).
- Size percentile: roughly 38% of Arkansas's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 36.1011, -92.9546 by the US Census Bureau Gazetteer.
- Nearest larger cities: Bellefonte, AR (9 mi); Harrison, AR (13 mi); Jasper, AR (14 mi); Bergman, AR (15 mi); Yellville, AR (17 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Valley Springs, AR (4 mi); Everton, AR (4 mi); Pindall, AR (6 mi) (US Census Bureau).
What a personal loan costs in Western Grove
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Arkansas lending rules that apply in Western Grove
The Arkansas rate caps and licensing rules that reach Western Grove are listed below, each with its source and retrieval date.
| 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 Western Grove
Before you share your details with a lender in Western Grove:
- 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.