Personal loans in Oak Grove, AR

A personal loan in Oak Grove is priced from your credit file and income, not from the fact that the city holds 387 people. An estimated 387 people make their home in Oak Grove, a figure that ranks 295th in Arkansas. The closest larger place is Green Forest, AR about 9 miles away. The 2020 count to the 2023 estimate shows about 1.3% growth in Oak Grove. A lender that serves Oak Grove operates under Arkansas lending statutes and a Arkansas supervisor. Begin with the payment, then weigh APR and total interest across the lenders that reach Oak Grove's 387 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Oak Grove: population, trend and location

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

Oak Grove on the map

Inside Oak Grove's boundaries lie about 2.8 square miles of land, with no significant water area recorded. The resulting density is about 137 people per square mile. Little Rock, the largest place in Arkansas, is about 135 miles from Oak Grove. Counting outward 50 miles, 70 larger communities surround Oak Grove. The 100-mile radius contains 223 larger places.

Getting a loan in Oak Grove

At roughly 137 people per square mile, Oak Grove is lightly settled; 70 larger places lie within 50 miles. Whether Oak Grove has a local branch or not, a Arkansas-licensed lender can serve its 387 people online on the same terms. The nearest larger city, Green Forest, AR about 9 miles away.

A pre-application checklist for Oak Grove

Before you hand your details to a lender in Oak Grove, where the population is near 387:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  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. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Oak Grove and the rest of Arkansas is not the process but the borrower's own file, among the 387 people here.

The state rulebook for Oak Grove

This table holds the Arkansas rate and licensing rules for consumer loans made to Oak Grove's 387 residents.

RuleDetailSource
State lending regulatorArkansas 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
Payday lending statusNot 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
Small-loan / installment lender licensingSee the latest published figure
value_text left null: the State Bank Department does not publish a consumer small-loan license rate schedule that could be verified; storefront payday lending has been eliminated (see Payday lending status). See the linked regulator page for the licensee categories it supervises.
Arkansas State Bank Department
as of 2026-09-16

Oak Grove's place among Arkansas's 500 places

Among Arkansas's 500 places, Oak Grove sits at 295th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Oak Grove ranks 158th of 500 in Arkansas (about the 68th percentile). Its roughly 137 residents per square mile place it 419th among Arkansas's places. By land area, its 2.8 square miles rank 203rd of 500 places in Arkansas.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Oak Grove if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Oak Grove is the same as anywhere in Arkansas.
What loan size can I expect in Oak Grove?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Oak Grove?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Oak Grove cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related