White Hall at a glance
- Population: roughly 5,437 people; 65th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,583 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 2.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 65th of the state's 500 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 87% of Arkansas's Census places by population (US Census Bureau).
- Coordinates: 34.2752, -92.1006 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Pine Bluff, AR (6 mi); Bryant, AR (32 mi); Benton, AR (34 mi); Little Rock, AR (34 mi); Stuttgart, AR (35 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Sherrill, AR (11 mi); Redfield, AR (12 mi); Altheimer, AR (15 mi), each a US Census place.
What a personal loan costs in White Hall
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 White Hall
Read the table as the compliance picture for a lender serving White Hall: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in White Hall
A few practical steps will make the process in White Hall less costly:
- 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.