Personal loans in Cushman, AR

Personal loans in Cushman are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 446 population.

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.

Consumer lending that reaches Cushman's 446 residents is governed by Arkansas statute; no city ordinance changes it. The Census estimates 446 residents in Cushman, which ranks it 274th of 500 places in Arkansas. Read the disclosure for an origination fee and any prepayment penalty before signing in Cushman. The 2020-to-2023 change in Cushman is negligible, under a tenth of a percent. The nearest larger metro is Batesville, AR about 11 miles away.

The Cushman data picture

Only a few things actually differ by place — population, area, location, and the Arkansas rules a lender must follow — and they are below.

The geography behind Cushman

Cushman covers about 4.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 446 residents, the land area yields roughly 109 people per square mile. The largest place in Arkansas, Little Rock, lies about 85 miles away. A 50-mile radius around Cushman takes in 45 places that are larger. By land area it ranks 147th of 500 Arkansas places.

What a Cushman borrower is actually offered

Cushman is a small community of about 446 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Cushman lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Cushman loan is knowable in advance — unlike a revolving card balance.

How Cushman compares across Arkansas

Cushman is the 274th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Cushman stands 221st among Arkansas's 500 places — roughly the 56th percentile. By density, at about 109 people per square mile, it ranks 441st in Arkansas. In land area, Cushman ranks 147th among Arkansas's 500 places.

Arkansas rules behind a Cushman personal loan

These are Arkansas's sourced lending facts as they reach Cushman's 446 residents; the state has no city-level rate rule.

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
Small-loan / installment lender licensingSee the latest published figure
value_text left null: the State Bank Department does not publish a consumer small-loan license rate schedule that could be verified; storefront payday lending has been eliminated (see Payday lending status). See the linked regulator page for the licensee categories it supervises.
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

How lenders reach Cushman

At roughly 109 people per square mile, Cushman is lightly settled; 45 larger places lie within 50 miles. Whether Cushman has a local branch or not, a Arkansas-licensed lender can serve its 446 people online on the same terms. For a larger market, the closest option is Batesville, AR about 11 miles away.

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