Personal loans in Shirley, AR

Borrowing in Shirley: the local picture

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

• Population: an estimated 249 residents, 349th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
• Population trend: About 2.0% above the 2020 Census base.
• People gained or lost: about 5 more since the 2020 base.
• Size percentile: roughly 30% of Arkansas's places have fewer residents than Shirley's 249.
• Population density: about 103 people per square mile (Census land area 2.4 sq mi).
• By land area: Shirley ranks 222nd among Arkansas's 500 places, at 2.4 sq mi.
• Water: Shirley holds about 0.06 square miles, the 82nd-largest water area in Arkansas.
• Within Arkansas: about 0.0% of the state's population lives in Shirley.
• National standing: Shirley ranks 15,778th of 19,457 US places.
• Growth rank: Shirley ranks 130th among Arkansas's 500 places for the 2020-to-2023 change.
• Versus Arkansas: the state average change is +0.3%, while Shirley moved 2.0%.
• Density rank: Shirley places 449th among Arkansas's places by people per square mile.
• Density in context: Shirley's 103 people per square mile sit against a Arkansas median of 386.
• Location: mapped by the US Census Bureau at 35.6438, -92.3135.
• Nearest larger cities: Fairfield Bay (4 mi); Clinton (9 mi); Greers Ferry (10 mi); Leslie (19 mi); Heber Springs (19 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities within reach: Higden (8 mi); Fifty-Six (23 mi); Big Flat (25 mi).
• Smaller places within 50 miles: 23 of them.
• Within 100 miles: 202 places are larger than Shirley.

Shirley: area, density and distance

Shirley's land area is about 2.4 square miles; a further 0.06 square miles is water. That land carries about 103 people per square mile. The state's population centre of gravity, Little Rock, is roughly 64 miles away. A 50-mile radius around Shirley takes in 60 places that are larger. By land area it ranks 222nd of 500 Arkansas places.

How personal loans work in Shirley

Most loans made to Shirley's 249 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Shirley can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Shirley loan but raises total interest, so the smallest payment is not the cheapest loan.

Which Arkansas laws govern a loan in Shirley

Below are the Arkansas rules that apply to a loan made in Shirley, each with the regulator that issued it.

Shirley against the rest of Arkansas

Against Arkansas's other places, Shirley accounts for about 0.0% of the state's population and ranks 349th of 500 by size. Its 2020-to-2023 change ranks 130th of 500 Arkansas places, putting it near the 74th percentile for growth. By density, at about 103 people per square mile, it ranks 449th in Arkansas. Between 2020 and 2023 the count changed by roughly 5 residents.

Getting a loan in Shirley

With about 103 residents per square mile, Shirley is lightly settled, and 60 larger Census places sit within 50 miles. Whether Shirley has a local branch or not, a Arkansas-licensed lender can serve its 249 people online on the same terms. For a larger market, the closest option is Fairfield Bay, AR about 4 miles away.