Personal loans in Ravenden, AR

The Census counts 423 people in Ravenden, the 283rd-largest figure among Arkansas's 500 places. Ravenden counts about 423 people, and what is genuinely local about borrowing here is limited — Arkansas law does the governing.

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

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Census figures put the 2020-to-2023 decrease in Ravenden at about 0.9%. If debt is already a strain, a nonprofit credit counsellor can help Ravenden residents before they take on more. Consumer lending that reaches Ravenden's 423 residents is governed by Arkansas statute; no city ordinance changes it. Borrowers who want a bigger city can look to Imboden, AR about 5 miles away.

Local context for Ravenden

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

Population: 423 residents; Ravenden is the 283rd-largest of 500 places in Arkansas (US Census Bureau, Vintage 2023).
Population trend: A drop of about 0.9% from 2020 to 2023.
Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
Size percentile: with 423 residents, Ravenden is larger than about 43% of Arkansas's Census places.
Population density: about 200 people per square mile across 2.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Ravenden ranks 245th among Arkansas's 500 places, at 2.1 sq mi.
Water area: Ravenden has 0.01 square miles of water, ranking 185th of 500 places in Arkansas.
State share: roughly 0.0% of Arkansas's residents live in Ravenden (423 people).
National rank: Ravenden sits 13,862nd by population among the 19,457 places in this dataset.
Growth rank: Ravenden ranks 281st among Arkansas's 500 places for the 2020-to-2023 change.
State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Ravenden's 0.9%.
Density rank: Ravenden is the 377th most densely settled place in Arkansas.
Against the state median: Ravenden runs about 200 residents per square mile, where the Arkansas median is 386.
Location: 36.2432 / -91.2513, per the US Census Bureau Gazetteer.
Nearest larger cities: Imboden (5 mi); Black Rock (12 mi); Hardy (14 mi); Highland (15 mi); Pocahontas (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller towns: Ravenden Springs (5 mi); Williford (6 mi); Smithville (12 mi) — useful context for the surrounding area.
Within a 50-mile radius: 40 smaller Census places.
At 100 miles: 169 larger Census places fall inside that radius.

A practical checklist for Ravenden borrowers

Before you hand your details to a lender in Ravenden, where the population is near 423:

Pull your credit reports first and correct any error before a lender sees the file.
Use the loan calculator to test the payment on your intended amount and term.
Line up several pre-qualified offers and let the APR decide.
Check the Arkansas regulator's records to confirm the lender is licensed here.
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.
Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Ravenden-specific: the same Arkansas licensing and disclosure rules reach all 423 residents.

What shapes a Ravenden personal loan

In Ravenden, a small community of about 423, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Ravenden's 423 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Ravenden decides the split between a comfortable payment and the total interest you pay.

The Arkansas lending rules that reach Ravenden

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

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
Payday lending status	Not 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 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

Getting a loan in Ravenden

Ravenden is a lightly settled community of about 423 people, with 39 larger places inside a 50-mile radius. Lenders licensed in Arkansas reach Ravenden's 423 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Imboden, AR about 5 miles away.

Ravenden on the map

Ravenden's land area is about 2.1 square miles; a further 0.01 square miles is water. That land carries about 200 people per square mile. The largest place in Arkansas, Little Rock, lies about 122 miles away. Ravenden has 39 larger places within a 50-mile radius. By land area it ranks 245th of 500 Arkansas places.

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Common questions

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

What loan size can I expect in Ravenden?

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 Ravenden?

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 Ravenden 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

Ravenden Springs, AR — population 120
Imboden, AR — population 641
Williford, AR — population 83
Smithville, AR — population 85
Black Rock, AR — population 608
Powhatan, AR — population 101
Lynn, AR — population 254
Portia, AR — population 420