Personal loans in Perry, AR

To lend to Perry's 266 residents, a company must hold a Arkansas licence, and each sourced row below names the regulator behind it. With 266 residents, Perry outranks about 32% of the communities in Arkansas.

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.

Two households in Perry with comparable incomes can still be offered different rates; the city's 266 residents are not the reason. Perry added about 0.8% to its population between the 2020 base and the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Perry lender. A larger market lies at Perryville, AR about 2 miles away.

What the Census records for Perry

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

How Perry compares across Arkansas

Among Arkansas's 500 places, Perry sits at 341st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Perry stands 189th among Arkansas's 500 places — roughly the 62th percentile. By density, at about 379 people per square mile, it ranks 256th in Arkansas. Within 50 miles sit 13 smaller Census places, alongside the 57 that are larger.

The geography behind Perry

Perry's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 379 residents per square mile. Little Rock, the largest place in Arkansas, is about 33 miles from Perry. A 50-mile radius around Perry takes in 57 places that are larger. By land area it ranks 391st of 500 Arkansas places.

How Arkansas law applies in Perry

This table holds the Arkansas rate and licensing rules for consumer loans made to Perry's 266 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

What shapes a Perry personal loan

With roughly 266 residents, Perry is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Perry. The term you choose in Perry decides the split between a comfortable payment and the total interest you pay.

The Perry borrowing checklist

A sensible order of operations for a loan in Perry, home to about 266 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Arkansas regulator's licence records before you sign.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Test the payment against your current bills before you commit.

In Perry as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 266 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 Perry 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 Perry is the same as anywhere in Arkansas.
What loan size can I expect in Perry?
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 Perry?
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 Perry 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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