Personal loans in Portia, AR

About 420 people live in Portia, placing it 284th of 500 Census places in Arkansas. The 2020 count to the 2023 estimate shows about 0.2% decline in Portia. Portia is a small community in Arkansas, with an estimated 420 residents, and every licensed lender here follows the same state rulebook. For the 420 people in Portia, Arkansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Pull your credit reports and line up at least three offers before you apply from Portia. The nearest larger metro is Black Rock, AR about 3 miles away.

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.

Where Portia stands

What follows is Portia's place in the Census record, alongside the Arkansas rules that govern a personal loan made here.

Land, water and location for Portia

Inside Portia's boundaries lie about 1.3 square miles of land, with no significant water area recorded. The resulting density is about 325 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 119 miles. Portia has 47 larger places within a 50-mile radius. By land area it ranks 310th of 500 Arkansas places.

Arkansas rules behind a Portia personal loan

Arkansas has no separate rate rule for Portia; the sourced rows below are what reach every lender that serves its 420 people.

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

Portia against the rest of Arkansas

Portia is the 284th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 248th of 500 Arkansas places, putting it near the 50th percentile for growth. By density, at about 325 people per square mile, it ranks 285th in Arkansas. By land area, its 1.3 square miles rank 310th of 500 places in Arkansas.

Inside a Portia personal loan

Portia is a small community of about 420 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Portia can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Portia loan is knowable in advance — unlike a revolving card balance.

Getting a loan in Portia

At roughly 325 people per square mile, Portia is lightly settled; 47 larger places lie within 50 miles. Whether Portia has a local branch or not, a Arkansas-licensed lender can serve its 420 people online on the same terms. For a larger market, the closest option is Black Rock, AR about 3 miles away.

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