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Personal loans in Fairfield Bay, AR

By population, Fairfield Bay sits at 129th in Arkansas, with an estimated 2,165 residents. Fairfield Bay counts about 2,165 people, and what is genuinely local about borrowing here is limited — Arkansas law does the governing. Rate-shopping from Fairfield Bay costs nothing at pre-qualification, where a soft pull leaves your credit file alone. For the 2,165 people in Fairfield Bay, Arkansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Census figures put the 2020-to-2023 increase in Fairfield Bay at about 2.8%. The closest larger city is Clinton, AR about 11 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.

The Fairfield Bay data picture

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

Fairfield Bay on the map

Fairfield Bay's land area is about 15.1 square miles; a further 0.06 square miles is water. The resulting density is about 143 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 61 miles. Fairfield Bay has 18 larger places within a 50-mile radius. Within the same 50 miles lie 62 smaller Census places.

Fairfield Bay against the rest of Arkansas

Set beside Arkansas's 500 places, Fairfield Bay ranks 129th by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Fairfield Bay ranks 96th of 500 in Arkansas (about the 81th percentile). By density, at about 143 people per square mile, it ranks 417th in Arkansas. Within 50 miles sit 62 smaller Census places, alongside the 18 that are larger.

How lenders reach Fairfield Bay

Fairfield Bay is a lightly settled community of about 2,165 people, with 18 larger places inside a 50-mile radius. What is available to Fairfield Bay's 2,165 borrowers is set by Arkansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Clinton, AR about 11 miles away.

How Arkansas law applies in Fairfield Bay

Below are the Arkansas rules that apply to a loan made in Fairfield Bay, 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
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 personal loans work in Fairfield Bay

A Fairfield Bay personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,165 residents. The APR tracks your credit score rather than Fairfield Bay's rank of 129th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Fairfield Bay loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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