Personal loans in Centerton, AR

Centerton by the numbers

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

• Population: the Census counts 23,953 residents in Centerton (Vintage 2023 subcounty estimate), the 21st-largest figure among Arkansas's 500 places.
• Population trend: Higher by roughly 34.1% since the 2020 count.
• Net change: roughly 6,093 more people than the 2020 Census counted.
• Size percentile: about 96% of Arkansas communities are smaller than Centerton (23,953 residents).
• Density: roughly 1,678 residents per square mile, spread over 14.3 sq mi of land.
• By land area: Centerton ranks 36th among Arkansas's 500 places, at 14.3 sq mi.
• Water: Centerton holds about 0.14 square miles, the 45th-largest water area in Arkansas.
• Share of Arkansas: Centerton holds about 1.2% of the state's population, some 23,953 people.
• National rank: Centerton is 1,636th of 19,457 places nationwide.
• Growth in Arkansas: Centerton stands 3rd by percentage change from 2020 to 2023, among 500 places.
• Versus Arkansas: the state average change is +0.3%, while Centerton moved 34.1%.
• Density rank: Centerton is the 11th most densely settled place in Arkansas.
• Density in context: Centerton's 1,678 people per square mile sit against a Arkansas median of 386.
• Location: 36.3551, -94.2977 (Census Gazetteer coordinates).
• Nearest larger cities: Bentonville (4 mi); Bella Vista (8 mi); Rogers (8 mi); Springdale (14 mi); Fayetteville (21 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Highfill (6 mi); Gravette (6 mi); Cave Springs (7 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 102 of them.
• At 100 miles: 18 larger Census places fall inside that radius.

The Centerton borrowing checklist

Before you apply in Centerton, a community of about 23,953, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
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. Check the Arkansas regulator's records to confirm the lender is licensed here.
5. Keep the amount to the expense; an approval is not a reason to take more.
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.

What differs between Centerton and the rest of Arkansas is not the process but the borrower's own file, among the 23,953 people here.

Land, water and location for Centerton

Centerton covers about 14.3 square miles of land, with 0.14 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,678 people per square mile. Little Rock, the largest place in Arkansas, is about 157 miles from Centerton. Within 50 miles of Centerton there are 5 larger Census places. Within the same 50 miles lie 102 smaller Census places.

How Arkansas law applies in Centerton

Read the table as a lender's compliance picture for Centerton: the rule, the sourced figure, the publisher and the date.

What a Centerton borrower is actually offered

Most loans made to Centerton's 23,953 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Centerton loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Centerton decides the split between a comfortable payment and the total interest you pay.

Centerton against the rest of Arkansas

Among Arkansas's 500 places, Centerton sits at 21st for population, a share of roughly 1.2% of the state. Its 2020-to-2023 change ranks 3rd of 500 Arkansas places, putting it near the 99th percentile for growth. By density, at about 1,678 people per square mile, it ranks 11th in Arkansas. The population moved by about 6,093 people between 2020 and 2023, a 34.1% shift.