Personal loans in Fulton, AR
Lenders active in Fulton report to a Arkansas supervisor, identified in the sourced rows below.
With roughly 111 residents, Fulton is a small community, and the lending rules its borrowers live under are written in Arkansas, not by the city. With an estimated 111 residents, Fulton is the 439th-largest of 500 places in Arkansas. From the 2020 Census base to the 2023 estimate, the population declined by about 2.6%. Use the calculator on this page to price an amount and term before you commit in Fulton. A larger market lies at Hope, AR about 13 miles away.
Borrowing in Fulton: the local picture
Set out below is Fulton's local context next to the state-level rules that reach every lender here.
- Population: about 111, ranked 439th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 2.6% from 2020 to 2023.
- Absolute change: 3 residents lost between 2020 and 2023.
- Size percentile: bigger than about 12% of the places in Arkansas, with 111 residents in Fulton.
- Density: roughly 624 residents per square mile, spread over 0.2 sq mi of land.
- By land area: Fulton ranks 488th among Arkansas's 500 places, at 0.2 sq mi.
- Water: Fulton holds about 0.02 square miles, the 147th-largest water area in Arkansas.
- Share of Arkansas: Fulton holds about 0.0% of the state's population, some 111 people.
- National rank: Fulton is 17,932nd of 19,457 places nationwide.
- Growth in Arkansas: Fulton stands 357th by percentage change from 2020 to 2023, among 500 places.
- Versus Arkansas: the state average change is +0.3%, while Fulton moved 2.6%.
- Density rank: Fulton places 146th among Arkansas's places by people per square mile.
- Density in context: Fulton's 624 people per square mile sit against a Arkansas median of 386.
- Location: it lies at 33.6126, -93.8138 in the Census Gazetteer.
- Nearest larger cities: Hope (13 mi); Ogden (14 mi); Tollette (15 mi); Texarkana (16 mi); Perrytown (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: McNab (4 mi); Washington (13 mi); Oakhaven (14 mi).
- Smaller neighbours: 11 places smaller than Fulton sit within 50 miles.
- At 100 miles: 202 larger Census places fall inside that radius.
Getting a loan in Fulton
Fulton is moderately settled, with about 624 people per square mile and 60 larger places within 50 miles. A Arkansas licence lets a lender serve Fulton without a local office, so branch density does not change what its 111 residents are offered. The nearest larger city, Hope, AR about 13 miles away.
Fulton in state context
Among Arkansas's 500 places, Fulton sits at 439th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Fulton ranks 357th of 500 in Arkansas (about the 29th percentile). By density, at about 624 people per square mile, it ranks 146th in Arkansas. Between 2020 and 2023 the count changed by roughly 3 residents.
The Arkansas lending rules that reach Fulton
Arkansas has no separate rate rule for Fulton; the sourced rows below are what reach every lender that serves its 111 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 |
How a Fulton personal loan is priced
In Fulton, a small community of about 111, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Fulton. Shortening the term on a Fulton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Fulton: area, density and distance
Inside Fulton's boundaries lie roughly 0.2 square miles of land and 0.02 square miles of water. That land carries about 624 people per square mile. The largest place in Arkansas, Little Rock, lies about 113 miles away. Within 50 miles of Fulton there are 60 larger Census places. By land area it ranks 488th of 500 Arkansas places.
Common questions
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Nearby places
- McNab, AR — population 29
- Washington, AR — population 90
- Tollette, AR — population 187
- Oakhaven, AR — population 66
- Hope, AR — population 8,558
- Ogden, AR — population 126
- Texarkana, AR — population 29,223
- Ozan, AR — population 49