Personal loans in Ogden, AR

Two households in Ogden with comparable incomes can still be offered different rates; the city's 126 residents are not the reason. The Census estimates 126 residents in Ogden, which ranks it 425th of 500 places in Arkansas.

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.

Census figures put the 2020-to-2023 decrease in Ogden at about 2.3%. Which products a lender may offer to Ogden's 126 residents follows from the Arkansas consumer-lending framework. For a community of about 126, the practical step is to compare APR across at least three lenders before committing. The closest larger place is Ashdown, AR about 8 miles away.

What the Census records for Ogden

Read the local figures below as context; read the sourced Arkansas table as the rulebook a lender here must follow.

Arkansas consumer-lending rules applied in Ogden

Below are the Arkansas rules that apply to a loan made in Ogden, each with the regulator that issued it.

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
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
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

Borrowing reach in Ogden

Ogden is lightly settled, with about 328 people per square mile and 56 larger places within 50 miles. Lenders licensed in Arkansas reach Ogden's 126 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Ashdown, AR about 8 miles away.

What to do before borrowing in Ogden

Complete these steps first when you borrow in Ogden (126 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  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. Confirm the lender holds a Arkansas licence by checking the regulator named above.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Arkansas; what changes is your credit file, not the fact that Ogden holds 126 people.

Ogden against the rest of Arkansas

Set beside Arkansas's 500 places, Ogden ranks 425th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 341st of 500 Arkansas places, putting it near the 32th percentile for growth. At about 328 people per square mile, Ogden is the 282nd most densely settled place in Arkansas. Between 2020 and 2023 the count changed by roughly 3 residents.

Ogden on the map

The Census Gazetteer records about 0.4 square miles of land within Ogden, with no significant water area listed. With 126 residents, the land area yields roughly 328 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 125 miles. Ogden has 56 larger places within a 50-mile radius. Within the same 50 miles lie 15 smaller Census places.

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 Ogden 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 Ogden is the same as anywhere in Arkansas.
What loan size can I expect in Ogden?
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 Ogden?
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 Ogden 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

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