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Personal loans in Gentry, AR

The trend for Gentry between 2020 and 2023 is upward by roughly 17.0%. Gentry is a small community of about 4,449 residents, and a personal loan taken out here is governed by Arkansas statute. Roughly 4,449 residents live in Gentry, the 75th-largest community in Arkansas. Borrowers who want a bigger city can look to Siloam Springs, AR about 6 miles away. When Arkansas caps or restricts a product, lenders either change the terms or withdraw it from Gentry as from the rest of the state. Compare APR, not the interest rate, because the APR folds in most fees on a Gentry loan.

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 Gentry data picture

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

How Arkansas law applies in Gentry

This table holds the Arkansas rate and licensing rules for consumer loans made to Gentry's 4,449 residents.

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

Steps to take before a Gentry loan

Complete these steps first when you borrow in Gentry (4,449 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Arkansas licence with the regulator listed on this page.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

The process is identical across Arkansas; what changes is your credit file, not the fact that Gentry holds 4,449 people.

Borrowing reach in Gentry

Gentry is moderately settled, with about 786 people per square mile and 19 larger places within 50 miles. Lenders licensed in Arkansas reach Gentry's 4,449 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Siloam Springs, AR about 6 miles away.

Land, water and location for Gentry

Gentry's land area is about 5.7 square miles; a further 0.03 square miles is water. With 4,449 residents, the land area yields roughly 786 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 160 miles. A 50-mile radius around Gentry takes in 19 places that are larger. The 100-mile radius contains 68 larger places.

Gentry's place among Arkansas's 500 places

Gentry is the 75th-largest of 500 Census places in Arkansas and contains about 0.2% of the state's people. On the 2020-to-2023 trend, Gentry stands 10th among Arkansas's 500 places — roughly the 98th percentile. At about 786 people per square mile, Gentry is the 97th most densely settled place in Arkansas. In land area, Gentry ranks 111th among Arkansas's 500 places.

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