Personal loans in Antoine, AR

With roughly 114 residents, Antoine is a small community, and the lending rules its borrowers live under are written in Arkansas, not by the city. Antoine ranks 434th of 500 places in Arkansas, with a population near 114.

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.

Borrowers who want a bigger city can look to Delight, AR about 5 miles away. The trend for Antoine between 2020 and 2023 is downward by roughly 0.9%. A single loan can carry different costs on either side of a state line, and Antoine sits on the Arkansas side of that line. Rate-shopping from Antoine costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

The Antoine data picture

Here is the sourced Census picture for Antoine, plus the Arkansas lending rules that apply to a loan taken out here.

Antoine's place among Arkansas's 500 places

Antoine is the 434th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Antoine stands 279th among Arkansas's 500 places — roughly the 44th percentile. By density, at about 225 people per square mile, it ranks 352nd in Arkansas. Between 2020 and 2023 the count changed by roughly 1 residents.

How personal loans work in Antoine

Most loans made to Antoine's 114 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Antoine's 114 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Antoine loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Arkansas lending rules that reach Antoine

When Arkansas does not publish a figure, the row links to the source instead of inventing a number; Antoine is bound by the same rules.

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
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 statusNot 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

Borrowing reach in Antoine

Antoine is lightly settled, with about 225 people per square mile and 50 larger places within 50 miles. Distance to a branch rarely matters for Antoine's 114 residents: the application is online and the price follows your credit file. The nearest bigger place is Delight, AR about 5 miles away.

Where Antoine sits

The Census Gazetteer records about 0.5 square miles of land within Antoine, with no significant water area listed. That land carries about 225 people per square mile. The largest place in Arkansas, Little Rock, lies about 77 miles away. Antoine has 50 larger places within a 50-mile radius. Within the same 50 miles lie 15 smaller Census 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 Antoine 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 Antoine is the same as anywhere in Arkansas.
What loan size can I expect in Antoine?
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 Antoine?
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 Antoine 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.

Nearby places

Related