Personal loans in Belleville, AR

Belleville is a small community of about 308 residents, and a personal loan taken out here is governed by Arkansas statute. Judge Belleville offers on total cost, not on how quickly the money arrives.

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.

Belleville is home to roughly 308 people and stands 320th by size out of 500 Census places in Arkansas. To lend to Belleville's 308 residents, a company must hold a Arkansas licence, and each sourced row below names the regulator behind it. Census figures put the 2020-to-2023 decrease in Belleville at about 1.9%. The closest larger city is Danville, AR about 4 miles away.

Borrowing in Belleville: the local picture

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

Belleville in state context

Within Arkansas, Belleville holds roughly 0.0% of all residents, the 320th-largest share among 500 places. For population change between 2020 and 2023, Belleville ranks 330th of 500 in Arkansas (about the 34th percentile). At about 165 people per square mile, Belleville is the 405th most densely settled place in Arkansas. Within 50 miles sit 17 smaller Census places, alongside the 41 that are larger.

What is available to Belleville borrowers

With about 165 residents per square mile, Belleville is lightly settled, and 41 larger Census places sit within 50 miles. A Arkansas licence lets a lender serve Belleville without a local office, so branch density does not change what its 308 residents are offered. The nearest bigger place is Danville, AR about 4 miles away.

The geography behind Belleville

The Census Gazetteer records about 1.9 square miles of land within Belleville, with no significant water area listed. That land carries about 165 people per square mile. The largest place in Arkansas, Little Rock, lies about 67 miles away. Belleville has 41 larger places within a 50-mile radius. Within the same 50 miles lie 17 smaller Census places.

A practical checklist for Belleville borrowers

A sensible order of operations for a loan in Belleville, home to about 308 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the Arkansas regulator's licence list.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Belleville-specific: the same Arkansas licensing and disclosure rules reach all 308 residents.

How Arkansas law applies in Belleville

Below are the Arkansas rules that apply to a loan made in Belleville, each with the regulator that issued it.

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