Personalloaner

Personal loans in Berryville, AR

With roughly 5,754 residents, Berryville is a small town, and the lending rules its borrowers live under are written in Arkansas, not by the city. About 5,754 people live in Berryville, placing it 62nd of 500 Census places in Arkansas. Population in Berryville climbed about 1.3% over the three years from 2020 to 2023. Lenders active in Berryville report to a Arkansas supervisor, identified in the sourced rows below. Rate-shopping from Berryville costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The closest larger place is Branson, MO about 23 miles away.

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.

Berryville: the sourced local profile

Two layers matter for a Berryville borrower: the local population picture and Arkansas's consumer-lending statutes.

How personal loans work in Berryville

A Berryville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 5,754 residents. A lender serving Berryville's 5,754 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Berryville loan but raises total interest, so the smallest payment is not the cheapest loan.

Berryville's place among Arkansas's 500 places

Against Arkansas's other places, Berryville accounts for about 0.3% of the state's population and ranks 62nd of 500 by size. Its 2020-to-2023 change ranks 156th of 500 Arkansas places, putting it near the 69th percentile for growth. By density, at about 872 people per square mile, it ranks 79th in Arkansas. Between 2020 and 2023 the count changed by roughly 76 residents.

Lender access in Berryville

Berryville is a moderately settled community of about 5,754 people, with 18 larger places inside a 50-mile radius. Lenders licensed in Arkansas reach Berryville's 5,754 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Branson, MO about 23 miles away.

How Arkansas law applies in Berryville

Below are the Arkansas rules that apply to a loan made in Berryville, 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

The Berryville borrowing checklist

Before you hand your details to a lender in Berryville, where the population is near 5,754:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Make sure the lender appears in the Arkansas regulator's licence list.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Berryville and the rest of Arkansas is not the process but the borrower's own file, among the 5,754 people here.

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

Nearby places

Related