Personal loans in Beaver, AR

Beaver, Arkansas — home to about 67 people — is a small community, so the terms you are offered follow Arkansas law rather than any local rule. Roughly 67 residents live in Beaver, the 476th-largest community in Arkansas.

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

Compare loan offers Run the numbers first

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.

The trend for Beaver between 2020 and 2023 is downward by roughly 1.5%. For the 67 people in Beaver, Arkansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Read the disclosure for an origination fee and any prepayment penalty before signing in Beaver. A larger market lies at Holiday Island, AR about 2 miles away.

Where Beaver stands

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

A practical checklist for Beaver borrowers

For Beaver's roughly 67 residents, these are the steps that most influence the offer:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the Arkansas licence with the regulator named above before committing.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Make sure the new payment leaves room in a budget you already keep.

The process is identical across Arkansas; what changes is your credit file, not the fact that Beaver holds 67 people.

The geography behind Beaver

Beaver's land area is about 0.3 square miles; a further 0.18 square miles is water. That land carries about 213 people per square mile. The state's population centre of gravity, Little Rock, is roughly 145 miles away. Within 50 miles of Beaver there are 107 larger Census places. By land area it ranks 461st of 500 Arkansas places.

Inside a Beaver personal loan

In Beaver, a small community of about 67, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Beaver's rank of 476th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Beaver loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Beaver sits in Arkansas

Among Arkansas's 500 places, Beaver sits at 476th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Beaver stands 309th among Arkansas's 500 places — roughly the 38th percentile. By density, at about 213 people per square mile, it ranks 363rd in Arkansas. In land area, Beaver ranks 461st among Arkansas's 500 places.

The Arkansas lending rules that reach Beaver

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

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
Compare personal loan offers Run the numbers first

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 Beaver 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 Beaver is the same as anywhere in Arkansas.
What loan size can I expect in Beaver?
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 Beaver?
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 Beaver 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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