Personal loans in Gassville, AR

A personal loan in Gassville is priced from your credit file and income, not from the fact that the city holds 2,223 people. About 2,223 people live in Gassville, placing it 125th of 500 Census places in Arkansas. Gassville gained roughly 2.5% in population across the 2020-to-2023 comparison. Price two or three terms so you can see which payment is truly affordable in Gassville. The nearest larger metro is Mountain Home, AR about 7 miles away. For the 2,223 people in Gassville, Arkansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

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.

Local context for Gassville

Only a few things actually differ by place — population, area, location, and the Arkansas rules a lender must follow — and they are below.

Gassville's place among Arkansas's 500 places

Against Arkansas's other places, Gassville accounts for about 0.1% of the state's population and ranks 125th of 500 by size. For population change between 2020 and 2023, Gassville ranks 111th of 500 in Arkansas (about the 78th percentile). Its roughly 648 residents per square mile place it 136th among Arkansas's places. Between 2020 and 2023 the count changed by roughly 54 residents.

The state rulebook for Gassville

Arkansas has no separate rate rule for Gassville; the sourced rows below are what reach every lender that serves its 2,223 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

Land, water and location for Gassville

Inside Gassville's boundaries lie about 3.4 square miles of land, with no significant water area recorded. With 2,223 residents, the land area yields roughly 648 people per square mile. The state's population centre of gravity, Little Rock, is roughly 108 miles away. A 50-mile radius around Gassville takes in 9 places that are larger. Within the same 50 miles lie 50 smaller Census places.

What to do before borrowing in Gassville

Complete these steps first when you borrow in Gassville (2,223 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Check the Arkansas regulator's records to confirm the lender is licensed here.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Arkansas; what changes is your credit file, not the fact that Gassville holds 2,223 people.

Lender access in Gassville

At roughly 648 people per square mile, Gassville is moderately settled; 9 larger places lie within 50 miles. Lenders licensed in Arkansas reach Gassville's 2,223 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Mountain Home, AR about 7 miles away.

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

Nearby places

Related