Personal loans in Benton, AR

Population in Benton climbed about 7.3% over the three years from 2020 to 2023. Rate ceilings, licensing requirements and product limits for Benton are all set at the Arkansas level. Work out your debt-to-income ratio first; lenders weigh it heavily, and Benton's 37,558 residents are no exception. A larger market lies at Little Rock, AR about 16 miles away.

Benton by the numbers

Most of what governs a Benton loan is written in Arkansas law rather than in the city; the sourced notes below make that split concrete.

• Population: about 37,558 people live here, which puts Benton 12th of 500 Census places in Arkansas (Vintage 2023).
• Population trend: About 7.3% above the 2020 Census base.
• People gained or lost: about 2,542 more since the 2020 base.
• Size percentile: roughly 98% of Arkansas places rank below Benton.
• Land and density: 23.1 square miles of land carry roughly 1,625 residents per square mile.
• Land area: Benton covers 23.1 square miles, the 18th-largest area among Arkansas's 500 places.
• Water area rank: Benton ranks 13th among Arkansas's 500 places, with 0.54 sq mi.
• State share: roughly 1.8% of Arkansas's residents live in Benton (37,558 people).
• National rank: Benton sits 1,073rd by population among the 19,457 places in this dataset.
• Growth in Arkansas: Benton stands 35th by percentage change from 2020 to 2023, among 500 places.
• Versus Arkansas: the state average change is +0.3%, while Benton moved 7.3%.
• Density in Arkansas: Benton ranks 15th by people per square mile.
• Density vs Arkansas: Benton's 1,625 people per square mile compare with a state median of 386.
• Location: mapped by the US Census Bureau at 34.5774, -92.5726.
• Nearest larger cities: Little Rock (16 mi); North Little Rock (24 mi); Hot Springs (28 mi); Conway (35 mi); Pine Bluff (41 mi). Living near a larger metro rarely changes what is available in Benton.
• Nearest smaller towns: Bauxite (4 mi); Bryant (5 mi); Haskell (6 mi) — useful context for the surrounding area.
• Smaller neighbours: 64 places smaller than Benton sit within 50 miles.
• At 100 miles: 5 larger Census places fall inside that radius.

Arkansas rules behind a Benton personal loan

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

What to do before borrowing in Benton

A sensible order of operations for a loan in Benton, home to about 37,558 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the Arkansas licence with the regulator named above before committing.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Benton as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 37,558 residents.

Benton's place among Arkansas's 500 places

Against Arkansas's other places, Benton accounts for about 1.8% of the state's population and ranks 12th of 500 by size. On the 2020-to-2023 trend, Benton stands 35th among Arkansas's 500 places — roughly the 93th percentile. Its roughly 1,625 residents per square mile place it 15th among Arkansas's places. Between 2020 and 2023 the count changed by roughly 2,542 residents.

What is available to Benton borrowers

Benton is a moderately settled community of about 37,558 people, with 5 larger places inside a 50-mile radius. What is available to Benton's 37,558 borrowers is set by Arkansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Little Rock, AR about 16 miles away.

How personal loans work in Benton

Benton is a smaller city of about 37,558 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Benton. Shortening the term on a Benton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.