Personal loans in Lonoke, AR

Where Lonoke stands

What follows is Lonoke's place in the Census record, alongside the Arkansas rules that govern a personal loan made here.

• Population: 4,277 — Lonoke ranks 76th of 500 communities in Arkansas (US Census Bureau, Vintage 2023).
• Population trend: About 0.2% above the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a gain of about 9 residents.
• Size percentile: bigger than about 85% of the places in Arkansas, with 4,277 residents in Lonoke.
• Population density: 890 people per square mile on 4.8 square miles of land.
• Land area: Lonoke covers 4.8 square miles, the 129th-largest area among Arkansas's 500 places.
• Water area rank: Lonoke ranks 61st among Arkansas's 500 places, with 0.10 sq mi.
• State population share: Lonoke accounts for about 0.2% of everyone in Arkansas.
• National rank: Lonoke is 5,272nd of 19,457 places nationwide.
• Growth in Arkansas: Lonoke stands 211th by percentage change from 2020 to 2023, among 500 places.
• State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Lonoke's 0.2%.
• Density rank: Lonoke places 72nd among Arkansas's places by people per square mile.
• Density in context: Lonoke's 890 people per square mile sit against a Arkansas median of 386.
• Location: coordinates 34.7905, -91.9074 (US Census Bureau Gazetteer).
• Nearest larger cities: Jacksonville (14 mi); Cabot (14 mi); Ward (16 mi); Sherwood (17 mi); North Little Rock (19 mi). Living near a larger metro rarely changes what is available in Lonoke.
• Smaller communities within reach: Carlisle (9 mi); Keo (14 mi); Austin (16 mi).
• Within a 50-mile radius: 64 smaller Census places.
• Larger places within 100 miles: 38.

Before you apply in Lonoke

These steps shape the offer you get in Lonoke, a place of about 4,277 people:

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. Get several pre-qualifications and compare APR side by side before choosing.
4. Check the Arkansas regulator's records to confirm the lender is licensed here.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Arkansas; what changes is your credit file, not the fact that Lonoke holds 4,277 people.

How Arkansas law applies in Lonoke

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

How Lonoke compares across Arkansas

Within Arkansas, Lonoke holds roughly 0.2% of all residents, the 76th-largest share among 500 places. For population change between 2020 and 2023, Lonoke ranks 211th of 500 in Arkansas (about the 58th percentile). Its roughly 890 residents per square mile place it 72nd among Arkansas's places. By land area, its 4.8 square miles rank 129th of 500 places in Arkansas.

Where Lonoke sits

The Census Gazetteer records 4.8 square miles of land and 0.10 square miles of water within Lonoke. The resulting density is about 890 people per square mile. The state's population centre of gravity, Little Rock, is roughly 26 miles away. A 50-mile radius around Lonoke takes in 20 places that are larger. The 100-mile radius contains 38 larger places.

Inside a Lonoke personal loan

Most loans made to Lonoke's 4,277 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Lonoke's 4,277 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Lonoke loan is knowable in advance — unlike a revolving card balance.