Personal loans in Perla, AR

For a borrower among the roughly 258 residents of Perla, a personal loan is a tool whose cost turns on the terms, not the address. Perla shed about 0.4% of its population between the 2020 base and the 2023 estimate.

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

Compare loan offers Run the numbers first

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.

Roughly 258 residents live in Perla, the 344th-largest community in Arkansas. Verify the lender's Arkansas licence against the regulator named below before borrowing in Perla. Which products a lender may offer to Perla's 258 residents follows from the Arkansas consumer-lending framework. For a bigger market, look to Malvern, AR about 3 miles away.

Local context for Perla

Only a few things actually differ by place — population, area, location, and the Arkansas rules a lender must follow — and they are below.

What Arkansas law requires in Perla

Read the table as a lender's compliance picture for Perla: the rule, the sourced figure, the publisher and the date.

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
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
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

Land, water and location for Perla

The Census Gazetteer records about 1.0 square miles of land within Perla, with no significant water area listed. With 258 residents, the land area yields roughly 268 people per square mile. The state's population centre of gravity, Little Rock, is roughly 34 miles away. Within 50 miles of Perla there are 45 larger Census places. Within the same 50 miles lie 15 smaller Census places.

The anatomy of a Perla personal loan

Perla is a small community of about 258 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Perla's rank of 344th 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 Perla loan is knowable in advance — unlike a revolving card balance.

How lenders reach Perla

With about 268 residents per square mile, Perla is lightly settled, and 45 larger Census places sit within 50 miles. Lenders licensed in Arkansas reach Perla's 258 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Malvern, AR about 3 miles away.

Perla in state context

Against Arkansas's other places, Perla accounts for about 0.0% of the state's population and ranks 344th of 500 by size. Its 2020-to-2023 change ranks 257th of 500 Arkansas places, putting it near the 49th percentile for growth. By density, at about 268 people per square mile, it ranks 328th in Arkansas. Between 2020 and 2023 the count changed by roughly 1 residents.

Compare personal loan offers Run the numbers first

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

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