Personal loans in Evening Shade, AR
With roughly 430 residents, Evening Shade is a small community, and the lending rules its borrowers live under are written in Arkansas, not by the city.
Every figure below is Arkansas's own, applied to Evening Shade's 430 residents, with the publisher and retrieval date attached. Evening Shade is home to roughly 430 people and stands 280th by size out of 500 Census places in Arkansas. Rate-shopping from Evening Shade costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The trend for Evening Shade between 2020 and 2023 is upward by roughly 2.6%. A larger market lies at Cave City, AR about 9 miles away.
Where Evening Shade stands
What follows is Evening Shade's place in the Census record, alongside the Arkansas rules that govern a personal loan made here.
- Population: 430 — Evening Shade ranks 280th of 500 communities in Arkansas (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 2.6% from 2020 to 2023.
- Net change: roughly 11 more people than the 2020 Census counted.
- Size percentile: bigger than about 44% of the places in Arkansas, with 430 residents in Evening Shade.
- Density: the Census land area of 1.7 sq mi holds about 258 people per square mile.
- By land area: Evening Shade ranks 275th among Arkansas's 500 places, at 1.7 sq mi.
- Share of state population: Evening Shade's 430 residents are about 0.0% of Arkansas.
- National rank: Evening Shade is 13,784th of 19,457 places nationwide.
- Growth in Arkansas: Evening Shade stands 106th by percentage change from 2020 to 2023, among 500 places.
- Versus Arkansas: the state average change is +0.3%, while Evening Shade moved 2.6%.
- Density rank: Evening Shade places 333rd among Arkansas's places by people per square mile.
- Density vs Arkansas: Evening Shade's 258 people per square mile compare with a state median of 386.
- Location: the Census Gazetteer records it at 36.0699, -91.6219.
- Nearest larger cities: Cave City (9 mi); Ash Flat (12 mi); Horseshoe Bend (12 mi); Melbourne (15 mi); Highland (15 mi). Larger metros often have more branches, but online lenders reach Evening Shade on the same terms.
- Smaller communities within reach: Sidney (5 mi); Mount Pleasant (11 mi); Franklin (11 mi).
- Smaller neighbours: 41 places smaller than Evening Shade sit within 50 miles.
- At 100 miles: 167 larger Census places fall inside that radius.
Evening Shade: area, density and distance
The Census Gazetteer records about 1.7 square miles of land within Evening Shade, with no significant water area listed. With 430 residents, the land area yields roughly 258 people per square mile. The state's population centre of gravity, Little Rock, is roughly 102 miles away. A 50-mile radius around Evening Shade takes in 38 places that are larger. By land area it ranks 275th of 500 Arkansas places.
Evening Shade against the rest of Arkansas
Among Arkansas's 500 places, Evening Shade sits at 280th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Evening Shade stands 106th among Arkansas's 500 places — roughly the 79th percentile. At about 258 people per square mile, Evening Shade is the 333rd most densely settled place in Arkansas. Between 2020 and 2023 the count changed by roughly 11 residents.
Borrowing reach in Evening Shade
Evening Shade is a lightly settled community of about 430 people, with 38 larger places inside a 50-mile radius. A Arkansas licence lets a lender serve Evening Shade without a local office, so branch density does not change what its 430 residents are offered. The nearest bigger place is Cave City, AR about 9 miles away.
Before you apply in Evening Shade
Complete these steps first when you borrow in Evening Shade (430 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- 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.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
In Evening Shade as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 430 residents.
How Arkansas law applies in Evening Shade
Arkansas has no separate rate rule for Evening Shade; the sourced rows below are what reach every lender that serves its 430 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 |
| 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 |
| 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 |
Common questions
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Nearby places
- Sidney, AR — population 197
- Cave City, AR — population 1,994
- Ash Flat, AR — population 1,175
- Mount Pleasant, AR — population 368
- Franklin, AR — population 198
- Horseshoe Bend, AR — population 2,543
- Highland, AR — population 1,041
- Cherokee Village, AR — population 4,936