Personal loans in Smackover, AR

Judge Smackover offers on total cost, not on how quickly the money arrives. Population in Smackover dropped about 3.1% over the three years from 2020 to 2023. A lender that serves Smackover operates under Arkansas lending statutes and a Arkansas supervisor. The nearest larger city is El Dorado, AR about 11 miles away.

Smackover: population, trend and location

Smackover is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: an estimated 1,581 residents, 156th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 3.1% fewer residents than the 2020 Census counted.
• Net change: roughly 51 fewer people than the 2020 Census counted.
• Size percentile: roughly 69% of Arkansas's places have fewer residents than Smackover's 1,581.
• Land and density: 4.3 square miles of land carry roughly 364 residents per square mile.
• Land area rank: Smackover's 4.3 square miles rank 141st of 500 places in Arkansas.
• Within Arkansas: about 0.1% of the state's population lives in Smackover.
• National rank: Smackover is 8,506th of 19,457 places nationwide.
• Growth rank: Smackover's 2020-to-2023 change ranks 378th of 500 places in Arkansas.
• State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Smackover's 3.1%.
• Density in Arkansas: Smackover ranks 264th by people per square mile.
• Density in context: Smackover's 364 people per square mile sit against a Arkansas median of 386.
• Location: latitude 33.3636, longitude -92.7314 (Census Gazetteer).
• Nearest larger cities: El Dorado (11 mi); Camden (16 mi); Magnolia (29 mi); Haynesville (36 mi); Fordyce (36 mi). Living near a larger metro rarely changes what is available in Smackover.
• Nearest smaller towns: Louann (4 mi); Norphlet (5 mi); Calion (11 mi) — useful context for the surrounding area.
• Smaller neighbours: 44 places smaller than Smackover sit within 50 miles.
• Within 100 miles: 71 places are larger than Smackover.

Smackover against the rest of Arkansas

Smackover is the 156th-largest of 500 Census places in Arkansas and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Smackover stands 378th among Arkansas's 500 places — roughly the 24th percentile. At about 364 people per square mile, Smackover is the 264th most densely settled place in Arkansas. By land area, its 4.3 square miles rank 141st of 500 places in Arkansas.

What to do before borrowing in Smackover

For Smackover's roughly 1,581 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Arkansas regulator's records to confirm the lender is licensed here.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Make sure the new payment leaves room in a budget you already keep.

None of these steps is Smackover-specific: the same Arkansas licensing and disclosure rules reach all 1,581 residents.

Arkansas rules behind a Smackover personal loan

This table holds the Arkansas rate and licensing rules for consumer loans made to Smackover's 1,581 residents.

Where Smackover sits

Smackover's land area is roughly 4.3 square miles, and the Gazetteer records no significant water area within it. That land carries about 364 people per square mile. The state's population centre of gravity, Little Rock, is roughly 96 miles away. A 50-mile radius around Smackover takes in 12 places that are larger. By land area it ranks 141st of 500 Arkansas places.

Inside a Smackover personal loan

With roughly 1,581 residents, Smackover is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Smackover lender to disclose the APR and finance charge before you sign. The term you choose in Smackover decides the split between a comfortable payment and the total interest you pay.