Personal loans in Alicia, AR

The Census counts 140 people in Alicia, the 415th-largest figure among Arkansas's 500 places. Alicia shed about 2.1% of its population between the 2020 base and the 2023 estimate. Two households in Alicia with comparable incomes can still be offered different rates; the city's 140 residents are not the reason. When Arkansas caps or restricts a product, lenders either change the terms or withdraw it from Alicia as from the rest of the state. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Alicia loan. For a bigger market, look to Swifton, AR about 5 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

What the Census records for Alicia

Set out below is Alicia's local context next to the state-level rules that reach every lender here.

Alicia in state context

Among Arkansas's 500 places, Alicia sits at 415th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Alicia stands 332nd among Arkansas's 500 places — roughly the 34th percentile. At about 324 people per square mile, Alicia is the 287th most densely settled place in Arkansas. In land area, Alicia ranks 432nd among Arkansas's 500 places.

What to do before borrowing in Alicia

Before you apply in Alicia, a community of about 140, work through these steps:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Verify the lender's Arkansas licence with the regulator listed on this page.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Be clear on what the loan is for and how it gets repaid.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Arkansas; what changes is your credit file, not the fact that Alicia holds 140 people.

The state rulebook for Alicia

The rows below set out what a licensed lender must follow in Arkansas, and so for Alicia's roughly 140 residents.

RuleDetailSource
State lending regulatorArkansas 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
Small-loan / installment lender licensingSee 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
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

Getting a loan in Alicia

Alicia is lightly settled, with about 324 people per square mile and 77 larger places within 50 miles. A Arkansas licence lets a lender serve Alicia without a local office, so branch density does not change what its 140 residents are offered. The nearest bigger place is Swifton, AR about 5 miles away.

Alicia on the map

The Census Gazetteer records about 0.4 square miles of land within Alicia, with no significant water area listed. With 140 residents, the land area yields roughly 324 people per square mile. Little Rock, the largest place in Arkansas, is about 108 miles from Alicia. Alicia has 77 larger places within a 50-mile radius. The 100-mile radius contains 269 larger places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Alicia if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Alicia is the same as anywhere in Arkansas.
What loan size can I expect in Alicia?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Alicia?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Alicia cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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