Zinc at a glance
- Population: 99 people, the 451st-largest place among Arkansas's 500 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 94 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 5.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arkansas places: 451st of 500 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 10% of the Census places in Arkansas (US Census Bureau).
- Coordinates: latitude 36.2840, longitude -92.9144 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Pyatt, AR (4 mi); Bergman, AR (6 mi); Lead Hill, AR (9 mi); Everton, AR (9 mi); Bellefonte, AR (9 mi) (US Census Bureau).
- Nearest smaller towns: South Lead Hill, AR (8 mi); Gilbert, AR (23 mi); Blue Eye, AR (31 mi) (US Census Bureau).
What a personal loan costs in Zinc
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Arkansas lending rules that apply in Zinc
The sourced rows below are the rules a licensed lender must follow when lending in Arkansas, and therefore in Zinc.
| 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 Zinc
Run through this list before signing anything in Zinc:
- 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.