Personal loans in Grady, AR

Two households in Grady with comparable incomes can still be offered different rates; the city's 293 residents are not the reason. Population in Grady dropped about 4.2% over the three years from 2020 to 2023.

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.

The Census estimates 293 residents in Grady, which ranks it 329th of 500 places in Arkansas. If debt is already a strain, a nonprofit credit counsellor can help Grady residents before they take on more. Every figure below is Arkansas's own, applied to Grady's 293 residents, with the publisher and retrieval date attached. The next larger city is Gould, AR about 10 miles away.

The Grady data picture

Most of what governs a Grady loan is written in Arkansas law rather than in the city; the sourced notes below make that split concrete.

How Arkansas law applies in Grady

Arkansas has no separate rate rule for Grady; the sourced rows below are what reach every lender that serves its 293 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
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

What shapes a Grady personal loan

With roughly 293 residents, Grady is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Grady loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Grady decides the split between a comfortable payment and the total interest you pay.

What is available to Grady borrowers

Grady is sparsely settled, with about 99 people per square mile and 29 larger places within 50 miles. Lenders licensed in Arkansas reach Grady's 293 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Gould, AR about 10 miles away.

Grady in state context

Among Arkansas's 500 places, Grady sits at 329th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 425th of 500 Arkansas places, putting it near the 15th percentile for growth. Its roughly 99 residents per square mile place it 453rd among Arkansas's places. Between 2020 and 2023 the count changed by roughly 13 residents.

Grady: area, density and distance

Inside Grady's boundaries lie about 3.0 square miles of land, with no significant water area recorded. Spread across it are roughly 99 residents per square mile. The largest place in Arkansas, Little Rock, lies about 59 miles away. Counting outward 50 miles, 29 larger communities surround Grady. Within the same 50 miles lie 20 smaller Census 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 Grady 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 Grady is the same as anywhere in Arkansas.
What loan size can I expect in Grady?
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 Grady?
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 Grady 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

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