Wilson at a glance
- Population: 719 — 218th in Arkansas, which has 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 769 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 6.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Arkansas places: 218th in population of 500 places (US Census Bureau).
- Size percentile: roughly 56% of places in Arkansas rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 35.5660, -90.0418.
- Nearest larger cities: Osceola, AR (9 mi); Luxora, AR (15 mi); Munford, TN (15 mi); Lepanto, AR (17 mi); Atoka, TN (17 mi), each a US Census place with its estimated population.
- Nearest smaller places: Marie, AR (4 mi); Bassett, AR (5 mi); Joiner, AR (7 mi) (US Census Bureau estimates).
What a personal loan costs in Wilson
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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 Wilson
The table carries the Arkansas rate and licensing rules that apply to consumer loans made in Wilson.
| 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 Wilson
These steps are the ones that most affect the offer you receive in Wilson:
- 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.