Personal loans in Fulton, AR

Lenders active in Fulton report to a Arkansas supervisor, identified in the sourced rows below.

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

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.

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.

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.

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

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.

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