Personal loans in Black Rock, AR

Borrowing in Black Rock: the local picture

Read the local figures below as context; read the sourced Arkansas table as the rulebook a lender here must follow.

• Population: the Census counts 608 residents in Black Rock (Vintage 2023 subcounty estimate), the 236th-largest figure among Arkansas's 500 places.
• Population trend: About 2.7% above the 2020 Census base.
• Absolute change: 16 residents added between 2020 and 2023.
• Size percentile: about 53% of Arkansas's Census places are smaller than Black Rock.
• Population density: about 185 people per square mile (Census land area 3.3 sq mi).
• By land area: Black Rock ranks 170th among Arkansas's 500 places, at 3.3 sq mi.
• Water area: Black Rock has 0.14 square miles of water, ranking 47th of 500 places in Arkansas.
• State population share: Black Rock accounts for about 0.0% of everyone in Arkansas.
• National rank: Black Rock is the 12,378th most populous of the 19,457 Census places covered here.
• Growth rank: Black Rock ranks 100th among Arkansas's 500 places for the 2020-to-2023 change.
• Against the state trend: Black Rock's 2.7% change compares with a Arkansas average of +0.3% across its 500 places.
• Density in Arkansas: Black Rock ranks 390th by people per square mile.
• Density vs Arkansas: Black Rock's 185 people per square mile compare with a state median of 386.
• Location: it lies at 36.1062, -91.1075 in the Census Gazetteer.
• Nearest larger cities: Imboden (8 mi); Hoxie (9 mi); Walnut Ridge (9 mi); Pocahontas (13 mi); Swifton (20 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: Powhatan (2 mi); Portia (3 mi); Minturn (10 mi).
• Smaller places within 50 miles: 52 of them.
• Within 100 miles: 144 places are larger than Black Rock.

How a Black Rock personal loan is priced

In Black Rock, a small community of about 608, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Black Rock's 608 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Black Rock decides the split between a comfortable payment and the total interest you pay.

Black Rock: area, density and distance

Black Rock's land area is about 3.3 square miles; a further 0.14 square miles is water. With 608 residents, the land area yields roughly 185 people per square mile. Little Rock, the largest place in Arkansas, is about 119 miles from Black Rock. A 50-mile radius around Black Rock takes in 39 places that are larger. The 100-mile radius contains 144 larger places.

The state rulebook for Black Rock

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

Black Rock's place among Arkansas's 500 places

Black Rock is the 236th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 100th of 500 Arkansas places, putting it near the 80th percentile for growth. By density, at about 185 people per square mile, it ranks 390th in Arkansas. The population moved by about 16 people between 2020 and 2023, a 2.7% shift.

The Black Rock borrowing checklist

For Black Rock's roughly 608 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. 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 lender holds a Arkansas licence by checking the regulator named above.
5. Test the payment against your current bills before you commit.
6. Pick the shortest term whose payment you can comfortably afford.
7. Keep the amount to the expense; an approval is not a reason to take more.

In Black Rock as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 608 residents.