Personal loans in Cash, AR

A personal loan in Cash is priced from your credit file and income, not from the fact that the city holds 277 people. A single loan can carry different costs on either side of a state line, and Cash sits on the Arkansas side of that line.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

At about 277 residents, Cash is larger than roughly 33% of the places in Arkansas. Price two or three terms so you can see which payment is truly affordable in Cash. A 2020-to-2023 comparison shows Cash down by about 1.8%. The nearest larger city is Bono, AR about 11 miles away.

Cash: population, trend and location

Set out below is Cash's local context next to the state-level rules that reach every lender here.

What a Cash borrower is actually offered

In Cash, a small community of about 277, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Cash can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Cash loan but raises total interest, so the smallest payment is not the cheapest loan.

The Arkansas lending rules that reach Cash

Arkansas has no separate rate rule for Cash; the sourced rows below are what reach every lender that serves its 277 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

Cash in state context

Among Arkansas's 500 places, Cash sits at 336th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Cash stands 324th among Arkansas's 500 places — roughly the 35th percentile. At about 755 people per square mile, Cash is the 106th most densely settled place in Arkansas. The population moved by about 5 people between 2020 and 2023, a 1.8% shift.

A practical checklist for Cash borrowers

Complete these steps first when you borrow in Cash (277 residents):

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Model the payment on the calculator before a lender models it for you.
  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. Pick the shortest term whose payment you can comfortably afford.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Be clear on what the loan is for and how it gets repaid.

What differs between Cash and the rest of Arkansas is not the process but the borrower's own file, among the 277 people here.

Land, water and location for Cash

Inside Cash's boundaries lie about 0.4 square miles of land, with no significant water area recorded. That land carries about 755 people per square mile. The largest place in Arkansas, Little Rock, lies about 110 miles away. A 50-mile radius around Cash takes in 67 places that are larger. By land area it ranks 449th of 500 Arkansas places.

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