Personal loans in Big Flat, AR

Personal loans in Big Flat are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 89 population. Compare APR, not the interest rate, because the APR folds in most fees on a Big Flat loan.

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.

About 89 people live in Big Flat, placing it 461st of 500 Census places in Arkansas. To lend to Big Flat's 89 residents, a company must hold a Arkansas licence, and each sourced row below names the regulator behind it. Big Flat added about 2.3% to its population between the 2020 base and the 2023 estimate. For a bigger market, look to Fifty-Six, AR about 10 miles away.

Where Big Flat stands

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

The state rulebook for Big Flat

Arkansas has no separate rate rule for Big Flat; the sourced rows below are what reach every lender that serves its 89 people.

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

Where Big Flat sits in Arkansas

Against Arkansas's other places, Big Flat accounts for about 0.0% of the state's population and ranks 461st of 500 by size. For population change between 2020 and 2023, Big Flat ranks 119th of 500 in Arkansas (about the 76th percentile). At about 78 people per square mile, Big Flat is the 472nd most densely settled place in Arkansas. Between 2020 and 2023 the count changed by roughly 2 residents.

A pre-application checklist for Big Flat

Before you apply in Big Flat, a community of about 89, work through these steps:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a Arkansas licence by checking the regulator named above.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Make sure the new payment leaves room in a budget you already keep.

In Big Flat as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 89 residents.

Land, water and location for Big Flat

Inside Big Flat's boundaries lie about 1.1 square miles of land, with no significant water area recorded. That land carries about 78 people per square mile. The largest place in Arkansas, Little Rock, lies about 88 miles away. Big Flat has 60 larger places within a 50-mile radius. The 100-mile radius contains 278 larger places.

Inside a Big Flat personal loan

With roughly 89 residents, Big Flat is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Big Flat lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Big Flat loan is knowable in advance — unlike a revolving card balance.

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