Personal loans in Atkins, AR
For a borrower among the roughly 2,884 residents of Atkins, a personal loan is a tool whose cost turns on the terms, not the address. With an estimated 2,884 residents, Atkins is the 104th-largest of 500 places in Arkansas. Judge Atkins offers on total cost, not on how quickly the money arrives. Census figures put the 2020-to-2023 increase in Atkins at about 0.8%. Every figure below is Arkansas's own, applied to Atkins's 2,884 residents, with the publisher and retrieval date attached. A larger market lies at Pottsville, AR about 6 miles away.
Atkins by the numbers
The figures below are Atkins's own — Census population, land area and coordinates — followed by the Arkansas rules.
- Population: an estimated 2,884 residents, 104th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 0.8% more residents than the 2020 Census counted.
- Net change: roughly 24 more people than the 2020 Census counted.
- Size percentile: roughly 79% of Arkansas's places have fewer residents than Atkins's 2,884.
- Population density: 470 people per square mile on 6.1 square miles of land.
- Land area rank: Atkins's 6.1 square miles rank 101st of 500 places in Arkansas.
- State population share: Atkins accounts for about 0.1% of everyone in Arkansas.
- National standing: Atkins ranks 6,398th of 19,457 US places.
- Growth rank: Atkins ranks 185th among Arkansas's 500 places for the 2020-to-2023 change.
- Versus Arkansas: the state average change is +0.3%, while Atkins moved 0.8%.
- Density in Arkansas: Atkins ranks 204th by people per square mile.
- Against the state median: Atkins runs about 470 residents per square mile, where the Arkansas median is 386.
- Location: coordinates 35.2409, -92.9496 (US Census Bureau Gazetteer).
- Nearest larger cities: Pottsville (6 mi); Russellville (11 mi); Dardanelle (12 mi); Morrilton (13 mi); Conway (30 mi). Online lenders reach Atkins no matter how far the nearest branch is.
- Nearest smaller places: Oppelo (14 mi); Dover (14 mi); Adona (14 mi).
- Within a 50-mile radius: 52 smaller Census places.
- Within 100 miles: 65 places are larger than Atkins.
Atkins: area, density and distance
The Census Gazetteer records about 6.1 square miles of land within Atkins, with no significant water area listed. With 2,884 residents, the land area yields roughly 470 people per square mile. Little Rock, the largest place in Arkansas, is about 49 miles from Atkins. Counting outward 50 miles, 12 larger communities surround Atkins. By land area it ranks 101st of 500 Arkansas places.
Arkansas rules behind a Atkins personal loan
Below are the Arkansas rules that apply to a loan made in Atkins, each with the regulator that issued it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
What shapes a Atkins personal loan
With roughly 2,884 residents, Atkins is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Atkins's rank of 104th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Atkins loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Borrowing reach in Atkins
Atkins is lightly settled, with about 470 people per square mile and 12 larger places within 50 miles. Distance to a branch rarely matters for Atkins's 2,884 residents: the application is online and the price follows your credit file. The nearest bigger place is Pottsville, AR about 6 miles away.
Atkins against the rest of Arkansas
Atkins is the 104th-largest of 500 Census places in Arkansas and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Atkins stands 185th among Arkansas's 500 places — roughly the 63th percentile. By density, at about 470 people per square mile, it ranks 204th in Arkansas. Within 50 miles sit 52 smaller Census places, alongside the 12 that are larger.
Common questions
What are my options in Atkins if my credit is poor?
What loan size can I expect in Atkins?
Do I have to pledge anything to borrow in Atkins?
Does comparing loans in Atkins cost me credit score points?
Nearby places
- Pottsville, AR — population 3,285
- Russellville, AR — population 29,338
- Adona, AR — population 147
- Dardanelle, AR — population 4,504
- Dover, AR — population 1,351
- Hector, AR — population 419
- Oppelo, AR — population 747
- Morrilton, AR — population 7,083