Personal loans in Bay, AR

By population, Bay sits at 145th in Arkansas, with an estimated 1,821 residents. A single loan can carry different costs on either side of a state line, and Bay sits on the Arkansas side of that line. Bay lost roughly 3.0% of its population across the 2020-to-2023 comparison. The closest larger city is Trumann, AR about 5 miles away.

Where Bay stands

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

• Population: an estimated 1,821 residents, 145th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 3.0% fewer residents than the 2020 Census counted.
• Net change: roughly 57 fewer people than the 2020 Census counted.
• Size percentile: about 71% of Arkansas communities are smaller than Bay (1,821 residents).
• Population density: about 590 people per square mile across 3.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Bay covers 3.1 square miles, the 186th-largest area among Arkansas's 500 places.
• Share of state population: Bay's 1,821 residents are about 0.1% of Arkansas.
• National rank: Bay sits 7,964th by population among the 19,457 places in this dataset.
• Growth in Arkansas: Bay stands 373rd by percentage change from 2020 to 2023, among 500 places.
• Against the state trend: Bay's 3.0% change compares with a Arkansas average of +0.3% across its 500 places.
• Density in Arkansas: Bay ranks 158th by people per square mile.
• Density in context: Bay's 590 people per square mile sit against a Arkansas median of 386.
• Location: the Census Gazetteer records it at 35.7461, -90.5521.
• Nearest larger cities: Trumann (5 mi); Lake City (7 mi); Jonesboro (9 mi); Brookland (10 mi); Harrisburg (16 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Black Oak (12 mi); Caraway (13 mi); Monette (15 mi).
• Smaller neighbours: 83 places smaller than Bay sit within 50 miles.
• At 100 miles: 98 larger Census places fall inside that radius.

The geography behind Bay

Bay's land area is roughly 3.1 square miles, and the Gazetteer records no significant water area within it. That land carries about 590 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 124 miles. Bay has 28 larger places within a 50-mile radius. By land area it ranks 186th of 500 Arkansas places.

What Arkansas law requires in Bay

Every row below records a Arkansas rule, its publisher and its retrieval date — the same rules a Bay lender must follow.

Before you apply in Bay

A sensible order of operations for a loan in Bay, home to about 1,821 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Arkansas licence by checking the regulator named above.
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.

None of these steps is Bay-specific: the same Arkansas licensing and disclosure rules reach all 1,821 residents.

How lenders reach Bay

With about 590 residents per square mile, Bay is moderately settled, and 28 larger Census places sit within 50 miles. Whether Bay has a local branch or not, a Arkansas-licensed lender can serve its 1,821 people online on the same terms. For a larger market, the closest option is Trumann, AR about 5 miles away.

How Bay compares across Arkansas

Bay is the 145th-largest of 500 Census places in Arkansas and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Bay stands 373rd among Arkansas's 500 places — roughly the 25th percentile. At about 590 people per square mile, Bay is the 158th most densely settled place in Arkansas. Between 2020 and 2023 the count changed by roughly 57 residents.