Personal loans in Lexa, AR

The roughly 187 people who live in Lexa borrow under Arkansas rules; city hall sets no personal-loan rate. The 2020 count to the 2023 estimate shows about 9.2% decline in Lexa. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Lexa loan. The closest larger city is Helena-West Helena, AR about 9 miles away.

Lexa by the numbers

Two layers matter for a Lexa borrower: the local population picture and Arkansas's consumer-lending statutes.

• Population: 187 people, a figure that places Lexa 381st among the 500 Census places in Arkansas (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 9.2% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 19 residents.
• Size percentile: roughly 24% of Arkansas places rank below Lexa.
• Population density: about 456 people per square mile (Census land area 0.4 sq mi).
• Land area rank: Lexa's 0.4 square miles rank 437th of 500 places in Arkansas.
• Within Arkansas: about 0.0% of the state's population lives in Lexa.
• National rank: Lexa is 16,669th of 19,457 places nationwide.
• Growth rank: Lexa ranks 496th among Arkansas's 500 places for the 2020-to-2023 change.
• State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Lexa's 9.2%.
• Density in Arkansas: Lexa ranks 213th by people per square mile.
• Against the state median: Lexa runs about 456 residents per square mile, where the Arkansas median is 386.
• Location: mapped by the US Census Bureau at 34.5982, -90.7519.
• Nearest larger cities: Helena-West Helena (9 mi); Marvell (10 mi); Marianna (12 mi); Lake View (13 mi); Friars Point (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities close by: LaGrange (4 mi); Rondo (6 mi); Aubrey (12 mi), each with its own Census population profile.
• Smaller neighbours: 14 places smaller than Lexa sit within 50 miles.
• Larger places within 100 miles: 246.

Land, water and location for Lexa

The Census Gazetteer records about 0.4 square miles of land within Lexa, with no significant water area listed. Spread across it are roughly 456 residents per square mile. For the state's biggest city, Little Rock, the distance is roughly 92 miles. Within 50 miles of Lexa there are 57 larger Census places. Within the same 50 miles lie 14 smaller Census places.

Which Arkansas laws govern a loan in Lexa

Every row below records a Arkansas rule, its publisher and its retrieval date — the same rules a Lexa lender must follow.

Lexa against the rest of Arkansas

Set beside Arkansas's 500 places, Lexa ranks 381st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Lexa ranks 496th of 500 in Arkansas (about the 1th percentile). By density, at about 456 people per square mile, it ranks 213th in Arkansas. Within 50 miles sit 14 smaller Census places, alongside the 57 that are larger.

The anatomy of a Lexa personal loan

Lexa is a small community of about 187 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Lexa's rank of 381st in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Lexa loan is knowable in advance — unlike a revolving card balance.

A pre-application checklist for Lexa

Complete these steps first when you borrow in Lexa (187 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Arkansas regulator's records to confirm the lender is licensed here.
5. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Write down the purpose of the loan and your repayment plan before you apply.

What differs between Lexa and the rest of Arkansas is not the process but the borrower's own file, among the 187 people here.