Personal loans in Delaplaine, AR

An estimated 67 people make their home in Delaplaine, a figure that ranks 477th in Arkansas. The roughly 67 people who live in Delaplaine borrow under Arkansas rules; city hall sets no personal-loan rate.

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

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Work out your debt-to-income ratio first; lenders weigh it heavily, and Delaplaine's 67 residents are no exception. For the 67 people in Delaplaine, Arkansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The 2020 count to the 2023 estimate shows about 1.5% growth in Delaplaine. The nearest larger metro is Peach Orchard, AR about 5 miles away.

Delaplaine: the sourced local profile

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

Population: about 67, ranked 477th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
Population trend: Up about 1.5% from the 2020 Census base to the 2023 estimate.
Change in people: the 2020-to-2023 comparison is a gain of about 1 residents.
Size percentile: roughly 5% of Arkansas's places have fewer residents than Delaplaine's 67.
Population density: about 60 people per square mile (Census land area 1.1 sq mi).
By land area: Delaplaine ranks 333rd among Arkansas's 500 places, at 1.1 sq mi.
Share of Arkansas: Delaplaine holds about 0.0% of the state's population, some 67 people.
National rank: Delaplaine sits 18,702nd by population among the 19,457 places in this dataset.
Growth in Arkansas: Delaplaine stands 144th by percentage change from 2020 to 2023, among 500 places.
Against the state trend: Delaplaine's 1.5% change compares with a Arkansas average of +0.3% across its 500 places.
Density in Arkansas: Delaplaine ranks 484th by people per square mile.
Density vs Arkansas: Delaplaine's 60 people per square mile compare with a state median of 386.
Location: coordinates 36.2304, -90.7257 (US Census Bureau Gazetteer).
Nearest larger cities: Peach Orchard (5 mi); O'Kean (7 mi); Biggers (8 mi); Reyno (9 mi); Knobel (9 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller towns nearby: Datto (11 mi); Nimmons (36 mi); Rives (41 mi).
Smaller places within 50 miles: 6 of them.
Larger places within 100 miles: 318.

What to do before borrowing in Delaplaine

Before you apply in Delaplaine, a community of about 67, work through these steps:

Get your credit reports, dispute what is wrong, and only then start shopping.
Use the loan calculator to test the payment on your intended amount and term.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Check the Arkansas regulator's records to confirm the lender is licensed here.
Keep the amount to the expense; an approval is not a reason to take more.
Write down the purpose of the loan and your repayment plan before you apply.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Delaplaine-specific: the same Arkansas licensing and disclosure rules reach all 67 residents.

How personal loans work in Delaplaine

A Delaplaine personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 67 residents. Federal Truth in Lending rules require a Delaplaine lender to disclose the APR and finance charge before you sign. Shortening the term on a Delaplaine loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What is available to Delaplaine borrowers

At roughly 60 people per square mile, Delaplaine is sparsely settled; 85 larger places lie within 50 miles. Lenders licensed in Arkansas reach Delaplaine's 67 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Peach Orchard, AR about 5 miles away.

Delaplaine against the rest of Arkansas

Against Arkansas's other places, Delaplaine accounts for about 0.0% of the state's population and ranks 477th of 500 by size. Its 2020-to-2023 change ranks 144th of 500 Arkansas places, putting it near the 71th percentile for growth. At about 60 people per square mile, Delaplaine is the 484th most densely settled place in Arkansas. By land area, its 1.1 square miles rank 333rd of 500 places in Arkansas.

Which Arkansas laws govern a loan in Delaplaine

Below are the Arkansas rules that apply to a loan made in Delaplaine, each with the regulator that issued it.

Rule	Detail	Source
State lending regulator	Arkansas 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 licensing	See 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

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Common questions

What are my options in Delaplaine 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 Delaplaine is the same as anywhere in Arkansas.

What loan size can I expect in Delaplaine?

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 Delaplaine?

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 Delaplaine 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.

Nearby places

Peach Orchard, AR — population 104
O'Kean, AR — population 196
Biggers, AR — population 308
Reyno, AR — population 395
Knobel, AR — population 144
Datto, AR — population 64
Lafe, AR — population 417
Success, AR — population 95