Personal loans in Carthage, AR

With roughly 210 residents, Carthage is a small community, and the lending rules its borrowers live under are written in Arkansas, not by the city. Census figures put the 2020-to-2023 decrease in Carthage at about 4.1%. For a community of about 210, the practical step is to compare APR across at least three lenders before committing. The nearest larger city is Leola, AR about 7 miles away.

Carthage by the numbers

What follows is Carthage's place in the Census record, alongside the Arkansas rules that govern a personal loan made here.

• Population: the Census counts 210 residents in Carthage (Vintage 2023 subcounty estimate), the 366th-largest figure among Arkansas's 500 places.
• Population trend: Lower by roughly 4.1% since the 2020 count.
• Net change: roughly 9 fewer people than the 2020 Census counted.
• Size percentile: roughly 27% of Arkansas places rank below Carthage.
• Population density: 212 people per square mile on 1.0 square miles of land.
• By land area: Carthage ranks 362nd among Arkansas's 500 places, at 1.0 sq mi.
• Share of Arkansas: Carthage holds about 0.0% of the state's population, some 210 people.
• National rank: Carthage is the 16,322nd most populous of the 19,457 Census places covered here.
• Growth in Arkansas: Carthage stands 423rd by percentage change from 2020 to 2023, among 500 places.
• Against the state trend: Carthage's 4.1% change compares with a Arkansas average of +0.3% across its 500 places.
• Density rank: Carthage is the 364th most densely settled place in Arkansas.
• Density in context: Carthage's 212 people per square mile sit against a Arkansas median of 386.
• Location: mapped by the US Census Bureau at 34.0726, -92.5553.
• Nearest larger cities: Leola (7 mi); Prattsville (17 mi); Poyen (18 mi); Sheridan (18 mi); Fordyce (19 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Friendship (28 mi); Gum Springs (31 mi); Tinsman (33 mi).
• Smaller places within 50 miles: 15 of them.
• Within 100 miles: 180 places are larger than Carthage.

What to do before borrowing in Carthage

Before you hand your details to a lender in Carthage, where the population is near 210:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the lender holds a Arkansas licence by checking the regulator named above.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Arkansas; what changes is your credit file, not the fact that Carthage holds 210 people.

Where Carthage sits in Arkansas

Carthage is the 366th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 423rd of 500 Arkansas places, putting it near the 15th percentile for growth. Its roughly 212 residents per square mile place it 364th among Arkansas's places. By land area, its 1.0 square miles rank 362nd of 500 places in Arkansas.

The Arkansas lending rules that reach Carthage

Arkansas has no separate rate rule for Carthage; the sourced rows below are what reach every lender that serves its 210 people.

Where Carthage sits

Carthage covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 210 residents, the land area yields roughly 212 people per square mile. The state's population centre of gravity, Little Rock, is roughly 46 miles away. Counting outward 50 miles, 45 larger communities surround Carthage. The 100-mile radius contains 180 larger places.

What shapes a Carthage personal loan

A Carthage personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 210 residents. Because pricing is borrower-level, two people in Carthage can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Carthage loan is knowable in advance — unlike a revolving card balance.