Personal loans in Smithville, AR

For a borrower among the roughly 85 residents of Smithville, a personal loan is a tool whose cost turns on the terms, not the address. An estimated 85 people make their home in Smithville, a figure that ranks 467th in Arkansas. Census figures put the 2020-to-2023 decrease in Smithville at about 1.2%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Smithville loan. The nearest larger city is Lynn, AR about 6 miles away.

Smithville: the sourced local profile

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

• Population: about 85, ranked 467th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 1.2% since the 2020 count.
• People gained or lost: about 1 fewer since the 2020 base.
• Size percentile: about 7% of Arkansas communities are smaller than Smithville (85 residents).
• Land and density: 0.7 square miles of land carry roughly 128 residents per square mile.
• Land area rank: Smithville's 0.7 square miles rank 395th of 500 places in Arkansas.
• State share: roughly 0.0% of Arkansas's residents live in Smithville (85 people).
• Nationally: Smithville is the 18,407th-largest of 19,457 Census places in the dataset.
• Growth rank: Smithville's 2020-to-2023 change ranks 294th of 500 places in Arkansas.
• Versus Arkansas: the state average change is +0.3%, while Smithville moved 1.2%.
• Density in Arkansas: Smithville ranks 427th by people per square mile.
• Density vs Arkansas: Smithville's 128 people per square mile compare with a state median of 386.
• Location: 36.0799 / -91.3027, per the US Census Bureau Gazetteer.
• Nearest larger cities: Lynn (6 mi); Strawberry (8 mi); Powhatan (10 mi); Imboden (11 mi); Black Rock (11 mi). Living near a larger metro rarely changes what is available in Smithville.
• Nearest smaller places: Williford (12 mi); Delaplaine (34 mi); Guion (37 mi).
• Smaller places within 50 miles: 9 of them.
• Within 100 miles: 281 places are larger than Smithville.

What to do before borrowing in Smithville

Before you hand your details to a lender in Smithville, where the population is near 85:

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. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Look the lender up in the Arkansas regulator's licence records before you sign.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Smithville-specific: the same Arkansas licensing and disclosure rules reach all 85 residents.

Where Smithville sits in Arkansas

Smithville is the 467th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Smithville ranks 294th of 500 in Arkansas (about the 41th percentile). By density, at about 128 people per square mile, it ranks 427th in Arkansas. By land area, its 0.7 square miles rank 395th of 500 places in Arkansas.

Getting a loan in Smithville

Smithville is a lightly settled community of about 85 people, with 76 larger places inside a 50-mile radius. A Arkansas licence lets a lender serve Smithville without a local office, so branch density does not change what its 85 residents are offered. For a larger market, the closest option is Lynn, AR about 6 miles away.

What Arkansas law requires in Smithville

This table holds the Arkansas rate and licensing rules for consumer loans made to Smithville's 85 residents.

How a Smithville personal loan is priced

In Smithville, a small community of about 85, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Smithville can be quoted different APRs on the same amount and term. The term you choose in Smithville decides the split between a comfortable payment and the total interest you pay.