Personal loans in Pangburn, AR

For a borrower among the roughly 498 residents of Pangburn, a personal loan is a tool whose cost turns on the terms, not the address. Verify the lender's Arkansas licence against the regulator named below before borrowing in Pangburn. Pangburn ranks 257th of 500 places in Arkansas, with a population near 498. To lend to Pangburn's 498 residents, a company must hold a Arkansas licence, and each sourced row below names the regulator behind it. A 2020-to-2023 comparison shows Pangburn down by about 0.2%. The closest larger city is Heber Springs, AR about 12 miles away.

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

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Pangburn: the sourced local profile

Most of what governs a Pangburn loan is written in Arkansas law rather than in the city; the sourced notes below make that split concrete.

Population: 498 — Pangburn ranks 257th of 500 communities in Arkansas (US Census Bureau, Vintage 2023).
Population trend: Roughly 0.2% fewer residents than the 2020 Census counted.
Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
Size percentile: Pangburn's 498 people outrank roughly 49% of the places in Arkansas.
Population density: about 914 people per square mile (Census land area 0.5 sq mi).
Land area: Pangburn covers 0.5 square miles, the 414th-largest area among Arkansas's 500 places.
State share: roughly 0.0% of Arkansas's residents live in Pangburn (498 people).
National rank: Pangburn is the 13,186th most populous of the 19,457 Census places covered here.
Growth in Arkansas: Pangburn stands 246th by percentage change from 2020 to 2023, among 500 places.
Versus Arkansas: the state average change is +0.3%, while Pangburn moved 0.2%.
Density rank: Pangburn places 66th among Arkansas's places by people per square mile.
Against the state median: Pangburn runs about 914 residents per square mile, where the Arkansas median is 386.
Location: it lies at 35.4261, -91.8394 in the Census Gazetteer.
Nearest larger cities: Heber Springs (12 mi); Searcy (14 mi); Judsonia (15 mi); Kensett (16 mi); Bald Knob (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller communities close by: Letona (4 mi); Pleasant Plains (15 mi); Rose Bud (15 mi), each with its own Census population profile.
Smaller neighbours: 40 places smaller than Pangburn sit within 50 miles.
Larger places within 100 miles: 152.

What a Pangburn borrower is actually offered

A Pangburn personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 498 residents. The APR tracks your credit score rather than Pangburn's rank of 257th 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 Pangburn loan is knowable in advance — unlike a revolving card balance.

The Arkansas lending rules that reach Pangburn

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

Rule	Detail	Source
State lending regulator	Arkansas 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 licensing	See 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

What is available to Pangburn borrowers

Pangburn is moderately settled, with about 914 people per square mile and 46 larger places within 50 miles. A Arkansas licence lets a lender serve Pangburn without a local office, so branch density does not change what its 498 residents are offered. The nearest larger city, Heber Springs, AR about 12 miles away.

A pre-application checklist for Pangburn

A sensible order of operations for a loan in Pangburn, home to about 498 people:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Get several pre-qualifications and compare APR side by side before choosing.
Make sure the lender appears in the Arkansas regulator's licence list.
Make sure the new payment leaves room in a budget you already keep.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Borrow only what the purpose requires, not the maximum you are offered.

In Pangburn as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 498 residents.

How Pangburn compares across Arkansas

Among Arkansas's 500 places, Pangburn sits at 257th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Pangburn ranks 246th of 500 in Arkansas (about the 51th percentile). Its roughly 914 residents per square mile place it 66th among Arkansas's places. Within 50 miles sit 40 smaller Census places, alongside the 46 that are larger.

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Common questions

What are my options in Pangburn 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 Pangburn is the same as anywhere in Arkansas.

What loan size can I expect in Pangburn?

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 Pangburn?

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 Pangburn 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

Letona, AR — population 237
Heber Springs, AR — population 7,239
Searcy, AR — population 23,813
Concord, AR — population 193
Pleasant Plains, AR — population 350
Judsonia, AR — population 1,881
Kensett, AR — population 1,404
Rose Bud, AR — population 497