Personal loans in Hartman, AR
In Hartman, one of 500 Census places in Arkansas, the figure to compare across lenders is the APR, not the advertised rate. Begin with the payment, then weigh APR and total interest across the lenders that reach Hartman's 516 residents.
With 516 residents, Hartman outranks about 50% of the communities in Arkansas. Consumer lending that reaches Hartman's 516 residents is governed by Arkansas statute; no city ordinance changes it. The 2020-to-2023 change in Hartman is negligible, under a tenth of a percent. The closest larger city is Coal Hill, AR about 2 miles away.
The Hartman 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.
- Population: the Census counts 516 residents in Hartman (Vintage 2023 subcounty estimate), the 249th-largest figure among Arkansas's 500 places.
- Population trend: No meaningful shift since the 2020 count.
- Size percentile: Hartman sits ahead of around 50% of Arkansas places, at 516 people.
- Population density: 327 people per square mile on 1.6 square miles of land.
- By land area: Hartman ranks 285th among Arkansas's 500 places, at 1.6 sq mi.
- Water area: Hartman has 0.02 square miles of water, ranking 142nd of 500 places in Arkansas.
- State share: roughly 0.0% of Arkansas's residents live in Hartman (516 people).
- National standing: Hartman ranks 13,039th of 19,457 US places.
- Growth in Arkansas: Hartman stands 220th by percentage change from 2020 to 2023, among 500 places.
- State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Hartman's 0.0%.
- Density in Arkansas: Hartman ranks 284th by people per square mile.
- Density in context: Hartman's 327 people per square mile sit against a Arkansas median of 386.
- Location: 35.4353 / -93.6282, per the US Census Bureau Gazetteer.
- Nearest larger cities: Coal Hill (2 mi); Altus (8 mi); Clarksville (8 mi); Paris (12 mi); Lamar (13 mi). Online lenders reach Hartman no matter how far the nearest branch is.
- Smaller communities within reach: Morrison Bluff (7 mi); Scranton (7 mi); Denning (7 mi).
- Within a 50-mile radius: 24 smaller Census places.
- At 100 miles: 170 larger Census places fall inside that radius.
Hartman against the rest of Arkansas
Set beside Arkansas's 500 places, Hartman ranks 249th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 220th of 500 Arkansas places, putting it near the 56th percentile for growth. Its roughly 327 residents per square mile place it 284th among Arkansas's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.
Hartman: area, density and distance
Inside Hartman's boundaries lie roughly 1.6 square miles of land and 0.02 square miles of water. That land carries about 327 people per square mile. The largest place in Arkansas, Little Rock, lies about 87 miles away. A 50-mile radius around Hartman takes in 41 places that are larger. By land area it ranks 285th of 500 Arkansas places.
Borrowing reach in Hartman
Hartman is lightly settled, with about 327 people per square mile and 41 larger places within 50 miles. Whether Hartman has a local branch or not, a Arkansas-licensed lender can serve its 516 people online on the same terms. For a larger market, the closest option is Coal Hill, AR about 2 miles away.
The Arkansas lending rules that reach Hartman
Read the table as a lender's compliance picture for Hartman: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 |
| Small-loan / installment lender licensing | See 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 |
How a Hartman personal loan is priced
In Hartman, a small community of about 516, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Hartman can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Hartman loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Coal Hill, AR — population 811
- Scranton, AR — population 249
- Morrison Bluff, AR — population 78
- Denning, AR — population 205
- Altus, AR — population 675
- Subiaco, AR — population 408
- Wiederkehr Village, AR — population 47
- Clarksville, AR — population 9,600