Personal loans in Dyess, AR
With roughly 322 residents, Dyess is a small community, and the lending rules its borrowers live under are written in Arkansas, not by the city.
Begin with the payment, then weigh APR and total interest across the lenders that reach Dyess's 322 residents. By population, Dyess sits at 315th in Arkansas, with an estimated 322 residents. A single loan can carry different costs on either side of a state line, and Dyess sits on the Arkansas side of that line. From the 2020 Census base to the 2023 estimate, the population declined by about 5.0%. The nearest larger city is Joiner, AR about 7 miles away.
Dyess: the sourced local profile
Here is the sourced Census picture for Dyess, plus the Arkansas lending rules that apply to a loan taken out here.
- Population: 322 — Dyess ranks 315th of 500 communities in Arkansas (US Census Bureau, Vintage 2023).
- Population trend: Roughly 5.0% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 17 residents.
- Size percentile: with 322 residents, Dyess is larger than about 37% of Arkansas's Census places.
- Density: the Census land area of 1.0 sq mi holds about 335 people per square mile.
- Land area rank: Dyess's 1.0 square miles rank 367th of 500 places in Arkansas.
- Share of Arkansas: Dyess holds about 0.0% of the state's population, some 322 people.
- Nationally: Dyess is the 14,865th-largest of 19,457 Census places in the dataset.
- Growth rank: Dyess ranks 450th among Arkansas's 500 places for the 2020-to-2023 change.
- Against the state trend: Dyess's 5.0% change compares with a Arkansas average of +0.3% across its 500 places.
- Density rank: Dyess places 277th among Arkansas's places by people per square mile.
- Density vs Arkansas: Dyess's 335 people per square mile compare with a state median of 386.
- Location: 35.5893, -90.2133 (US Census Bureau Gazetteer).
- Nearest larger cities: Joiner (7 mi); Lepanto (7 mi); Keiser (9 mi); Wilson (10 mi); Tyronza (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Bassett (6 mi); Marie (8 mi); Etowah (9 mi).
- Smaller places within 50 miles: 30 of them.
- At 100 miles: 233 larger Census places fall inside that radius.
Where Dyess sits in Arkansas
Among Arkansas's 500 places, Dyess sits at 315th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Dyess stands 450th among Arkansas's 500 places — roughly the 10th percentile. By density, at about 335 people per square mile, it ranks 277th in Arkansas. Within 50 miles sit 30 smaller Census places, alongside the 70 that are larger.
What Arkansas law requires in Dyess
Arkansas has no separate rate rule for Dyess; the sourced rows below are what reach every lender that serves its 322 people.
| 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 |
| 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 status | Not 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 |
Borrowing reach in Dyess
With about 335 residents per square mile, Dyess is lightly settled, and 70 larger Census places sit within 50 miles. A Arkansas licence lets a lender serve Dyess without a local office, so branch density does not change what its 322 residents are offered. The nearest larger city, Joiner, AR about 7 miles away.
The geography behind Dyess
Inside Dyess's boundaries lie about 1.0 square miles of land, with no significant water area recorded. With 322 residents, the land area yields roughly 335 people per square mile. Little Rock, the largest place in Arkansas, is about 135 miles from Dyess. A 50-mile radius around Dyess takes in 70 places that are larger. The 100-mile radius contains 233 larger places.
Steps to take before a Dyess loan
Complete these steps first when you borrow in Dyess (322 residents):
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Get several pre-qualifications and compare APR side by side before choosing.
- Check the Arkansas regulator's records to confirm the lender is licensed here.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
- Weigh a shorter term's higher payment against the interest it saves.
In Dyess as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 322 residents.
Common questions
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Nearby places
- Bassett, AR — population 117
- Joiner, AR — population 473
- Lepanto, AR — population 1,660
- Etowah, AR — population 241
- Marie, AR — population 100
- Birdsong, AR — population 29
- Keiser, AR — population 719
- Wilson, AR — population 719