Personal loans in Houston, AR

Where Houston stands

The figures below are Houston's own — Census population, land area and coordinates — followed by the Arkansas rules.

• Population: about 148, ranked 408th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
• Population trend: Growth of about 2.1% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a gain of about 3 residents.
• Size percentile: bigger than about 18% of the places in Arkansas, with 148 residents in Houston.
• Population density: about 146 people per square mile (Census land area 1.0 sq mi).
• Land area: Houston covers 1.0 square miles, the 349th-largest area among Arkansas's 500 places.
• State share: roughly 0.0% of Arkansas's residents live in Houston (148 people).
• National rank: Houston sits 17,311th by population among the 19,457 places in this dataset.
• Growth rank: Houston ranks 127th among Arkansas's 500 places for the 2020-to-2023 change.
• Versus Arkansas: the state average change is +0.3%, while Houston moved 2.1%.
• Density in Arkansas: Houston ranks 413th by people per square mile.
• Density vs Arkansas: Houston's 146 people per square mile compare with a state median of 386.
• Location: coordinates 35.0349, -92.6945 (US Census Bureau Gazetteer).
• Nearest larger cities: Bigelow (4 mi); Perry (6 mi); Perryville (6 mi); Oppelo (6 mi); Morrilton (9 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Fourche (5 mi); Adona (12 mi); Casa (20 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 7 of them.
• Larger places within 100 miles: 225.

Steps to take before a Houston loan

Complete these steps first when you borrow in Houston (148 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a Arkansas licence by checking the regulator named above.
5. Test the payment against your current bills before you commit.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Borrow only what the purpose requires, not the maximum you are offered.

In Houston as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 148 residents.

The state rulebook for Houston

These are Arkansas's sourced lending facts as they reach Houston's 148 residents; the state has no city-level rate rule.

Lender access in Houston

With about 146 residents per square mile, Houston is lightly settled, and 67 larger Census places sit within 50 miles. Lenders licensed in Arkansas reach Houston's 148 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Bigelow, AR about 4 miles away.

What a Houston borrower is actually offered

A Houston personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 148 residents. The APR tracks your credit score rather than Houston's rank of 408th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Houston decides the split between a comfortable payment and the total interest you pay.

Houston on the map

Inside Houston's boundaries lie about 1.0 square miles of land, with no significant water area recorded. The resulting density is about 146 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 29 miles. Houston has 67 larger places within a 50-mile radius. By land area it ranks 349th of 500 Arkansas places.