Personal loans in Lavaca, AR
The 2020 count to the 2023 estimate shows about 2.5% growth in Lavaca. The first question in Lavaca is not the rate on offer but whether the payment fits; about 2,514 people live here under Arkansas lending law. With an estimated 2,514 residents, Lavaca is the 114th-largest of 500 places in Arkansas. The nearest larger metro is Barling, AR about 5 miles away. To lend to Lavaca's 2,514 residents, a company must hold a Arkansas licence, and each sourced row below names the regulator behind it. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Lavaca loan.
Where Lavaca stands
What follows is Lavaca's place in the Census record, alongside the Arkansas rules that govern a personal loan made here.
- Population: about 2,514 people live here, which puts Lavaca 114th of 500 Census places in Arkansas (Vintage 2023).
- Population trend: Up about 2.5% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a gain of about 61 residents.
- Size percentile: about 77% of Arkansas's Census places are smaller than Lavaca.
- Density: the Census land area of 2.2 sq mi holds about 1,131 people per square mile.
- By land area: Lavaca ranks 239th among Arkansas's 500 places, at 2.2 sq mi.
- State population share: Lavaca accounts for about 0.1% of everyone in Arkansas.
- National rank: Lavaca is 6,826th of 19,457 places nationwide.
- Growth rank: Lavaca ranks 112th among Arkansas's 500 places for the 2020-to-2023 change.
- Versus Arkansas: the state average change is +0.3%, while Lavaca moved 2.5%.
- Density rank: Lavaca places 39th among Arkansas's places by people per square mile.
- Against the state median: Lavaca runs about 1,131 residents per square mile, where the Arkansas median is 386.
- Location: mapped by the US Census Bureau at 35.3302, -94.1829.
- Nearest larger cities: Barling (5 mi); Charleston (8 mi); Greenwood (9 mi); Fort Smith (11 mi); Alma (11 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Central City (3 mi); Kibler (7 mi); Dyer (12 mi), each with its own Census population profile.
- Within a 50-mile radius: 56 smaller Census places.
- Larger places within 100 miles: 65.
The geography behind Lavaca
Inside Lavaca's boundaries lie about 2.2 square miles of land, with no significant water area recorded. With 2,514 residents, the land area yields roughly 1,131 people per square mile. The largest place in Arkansas, Little Rock, lies about 111 miles away. Counting outward 50 miles, 21 larger communities surround Lavaca. The 100-mile radius contains 65 larger places.
The Arkansas lending rules that reach Lavaca
These are Arkansas's sourced lending facts as they reach Lavaca's 2,514 residents; the state has no city-level rate rule.
| 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 |
| 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 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 |
Getting a loan in Lavaca
At roughly 1,131 people per square mile, Lavaca is moderately settled; 21 larger places lie within 50 miles. Distance to a branch rarely matters for Lavaca's 2,514 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Barling, AR about 5 miles away.
Lavaca against the rest of Arkansas
Against Arkansas's other places, Lavaca accounts for about 0.1% of the state's population and ranks 114th of 500 by size. For population change between 2020 and 2023, Lavaca ranks 112th of 500 in Arkansas (about the 78th percentile). By density, at about 1,131 people per square mile, it ranks 39th in Arkansas. Within 50 miles sit 56 smaller Census places, alongside the 21 that are larger.
How a Lavaca personal loan is priced
In Lavaca, a small community of about 2,514, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Lavaca's 2,514 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Lavaca decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Lavaca if my credit is poor?
What loan size can I expect in Lavaca?
Do I have to pledge anything to borrow in Lavaca?
Does comparing loans in Lavaca cost me credit score points?
Nearby places
- Central City, AR — population 466
- Barling, AR — population 5,215
- Kibler, AR — population 1,034
- Greenwood, AR — population 9,671
- Charleston, AR — population 2,690
- Alma, AR — population 5,997
- Dyer, AR — population 781
- Fort Smith, AR — population 89,770