Personal loans in Mena, AR

If you are weighing a personal loan in Mena, start from the payment you can carry; its 5,618 residents face the same statewide rules. Rate-shopping from Mena costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Consumer lending that reaches Mena's 5,618 residents is governed by Arkansas statute; no city ordinance changes it. The closest larger city is De Queen, AR about 38 miles away.

Mena by the numbers

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

• Population: 5,618 people, a figure that places Mena 63rd among the 500 Census places in Arkansas (US Census Bureau, Vintage 2023).
• Population trend: Roughly 0.6% more residents than the 2020 Census counted.
• Net change: roughly 32 more people than the 2020 Census counted.
• Size percentile: roughly 87% of Arkansas's places have fewer residents than Mena's 5,618.
• Population density: 809 people per square mile on 6.9 square miles of land.
• Land area rank: Mena's 6.9 square miles rank 90th of 500 places in Arkansas.
• Water area: Mena has 0.04 square miles of water, ranking 105th of 500 places in Arkansas.
• State share: roughly 0.3% of Arkansas's residents live in Mena (5,618 people).
• National standing: Mena ranks 4,522nd of 19,457 US places.
• Growth rank: Mena's 2020-to-2023 change ranks 204th of 500 places in Arkansas.
• Versus Arkansas: the state average change is +0.3%, while Mena moved 0.6%.
• Density rank: Mena is the 90th most densely settled place in Arkansas.
• Against the state median: Mena runs about 809 residents per square mile, where the Arkansas median is 386.
• Location: mapped by the US Census Bureau at 34.5818, -94.2365.
• Nearest larger cities: De Queen (38 mi); Poteau (40 mi); Greenwood (43 mi); Fort Smith (54 mi); Idabel (57 mi). Larger metros often have more branches, but online lenders reach Mena on the same terms.
• Nearest smaller towns: Hatfield (11 mi); Cove (14 mi); Vandervoort (16 mi).
• Smaller neighbours: 42 places smaller than Mena sit within 50 miles.
• Within 100 miles: 23 places are larger than Mena.

Getting a loan in Mena

With about 809 residents per square mile, Mena is moderately settled, and 3 larger Census places sit within 50 miles. Distance to a branch rarely matters for Mena's 5,618 residents: the application is online and the price follows your credit file. For a larger market, the closest option is De Queen, AR about 38 miles away.

A pre-application checklist for Mena

Before you hand your details to a lender in Mena, where the population is near 5,618:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Arkansas licence with the regulator listed on this page.
5. Be clear on what the loan is for and how it gets repaid.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Arkansas; what changes is your credit file, not the fact that Mena holds 5,618 people.

How a Mena personal loan is priced

Mena is a small town of about 5,618 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Mena lender to disclose the APR and finance charge before you sign. The term you choose in Mena decides the split between a comfortable payment and the total interest you pay.

Mena on the map

Inside Mena's boundaries lie roughly 6.9 square miles of land and 0.04 square miles of water. With 5,618 residents, the land area yields roughly 809 people per square mile. The largest place in Arkansas, Little Rock, lies about 107 miles away. Counting outward 50 miles, 3 larger communities surround Mena. By land area it ranks 90th of 500 Arkansas places.

How Arkansas law applies in Mena

This table holds the Arkansas rate and licensing rules for consumer loans made to Mena's 5,618 residents.