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Personal loans in Diaz, AR

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Diaz's 1,220 residents. For a borrower among the roughly 1,220 residents of Diaz, a personal loan is a tool whose cost turns on the terms, not the address. About 1,220 people live in Diaz, placing it 169th of 500 Census places in Arkansas. Population in Diaz dropped about 0.2% over the three years from 2020 to 2023. Price two or three terms so you can see which payment is truly affordable in Diaz. The nearest larger city is Newport, AR about 2 miles away.

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

Compare loan offers Run the numbers first

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.

Where Diaz stands

Diaz is a small community; the notes below cover its population profile and the statewide rules that apply.

Diaz's place among Arkansas's 500 places

Diaz is the 169th-largest of 500 Census places in Arkansas and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Diaz stands 250th among Arkansas's 500 places — roughly the 50th percentile. At about 206 people per square mile, Diaz is the 372nd most densely settled place in Arkansas. Between 2020 and 2023 the count changed by roughly 3 residents.

The anatomy of a Diaz personal loan

In Diaz, a small community of about 1,220, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Diaz's rank of 169th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Diaz loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Diaz

At roughly 206 people per square mile, Diaz is lightly settled; 29 larger places lie within 50 miles. What is available to Diaz's 1,220 borrowers is set by Arkansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Newport, AR about 2 miles away.

Diaz: area, density and distance

Diaz covers about 5.9 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 206 people per square mile. Little Rock, the largest place in Arkansas, is about 89 miles from Diaz. Counting outward 50 miles, 29 larger communities surround Diaz. Within the same 50 miles lie 62 smaller Census places.

The state rulebook for Diaz

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

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
Compare personal loan offers Run the numbers first

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

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