Personal loans in St. Francis, AR

The first question in St. Francis is not the rate on offer but whether the payment fits; about 209 people live here under Arkansas lending law. St. Francis ranks 367th of 500 places in Arkansas, with a population near 209.

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

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A 2020-to-2023 comparison shows St. Francis down by about 2.8%. Which products a lender may offer to St. Francis's 209 residents follows from the Arkansas consumer-lending framework. Judge St. Francis offers on total cost, not on how quickly the money arrives. The nearest larger metro is Campbell, MO about 5 miles away.

St. Francis: the sourced local profile

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

Population: an estimated 209 residents, 367th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
Population trend: About 2.8% below the 2020 Census base.
People gained or lost: about 6 fewer since the 2020 base.
Size percentile: St. Francis's 209 people outrank roughly 27% of the places in Arkansas.
Density: the Census land area of 0.4 sq mi holds about 589 people per square mile.
Land area: St. Francis covers 0.4 square miles, the 451st-largest area among Arkansas's 500 places.
Water area: St. Francis has 0.01 square miles of water, ranking 179th of 500 places in Arkansas.
State share: roughly 0.0% of Arkansas's residents live in St. Francis (209 people).
National rank: St. Francis is the 16,348th most populous of the 19,457 Census places covered here.
Growth rank: St. Francis's 2020-to-2023 change ranks 363rd of 500 places in Arkansas.
Against the state trend: St. Francis's 2.8% change compares with a Arkansas average of +0.3% across its 500 places.
Density rank: St. Francis is the 159th most densely settled place in Arkansas.
Density vs Arkansas: St. Francis's 589 people per square mile compare with a state median of 386.
Location: mapped by the US Census Bureau at 36.4549, -90.1422.
Nearest larger cities: Campbell (5 mi); Piggott (6 mi); Holcomb (7 mi); Clarkton (10 mi); Qulin (11 mi). A branch is convenient; it is not what sets your APR.
Smaller places close by: Pollard (7 mi); Greenway (9 mi); Nimmons (11 mi).
Smaller places within 50 miles: 27 of them.
Within 100 miles: 268 places are larger than St. Francis.

St. Francis against the rest of Arkansas

Against Arkansas's other places, St. Francis accounts for about 0.0% of the state's population and ranks 367th of 500 by size. Its 2020-to-2023 change ranks 363rd of 500 Arkansas places, putting it near the 27th percentile for growth. By density, at about 589 people per square mile, it ranks 159th in Arkansas. Between 2020 and 2023 the count changed by roughly 6 residents.

The anatomy of a St. Francis personal loan

Most loans made to St. Francis's 209 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in St. Francis. A longer term lowers the monthly payment on a St. Francis loan but raises total interest, so the smallest payment is not the cheapest loan.

Lender access in St. Francis

St. Francis is moderately settled, with about 589 people per square mile and 70 larger places within 50 miles. Lenders licensed in Arkansas reach St. Francis's 209 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Campbell, MO about 5 miles away.

Arkansas consumer-lending rules applied in St. Francis

Every row below records a Arkansas rule, its publisher and its retrieval date — the same rules a St. Francis lender must follow.

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
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 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

A pre-application checklist for St. Francis

Before you hand your details to a lender in St. Francis, where the population is near 209:

Start with the credit file: order the reports, fix the errors, then apply.
Test your amount and term in the personal loan calculator first.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Look the lender up in the Arkansas regulator's licence records before you sign.
Be clear on what the loan is for and how it gets repaid.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Check the disclosure for fees that raise the true cost above the quoted rate.

What differs between St. Francis and the rest of Arkansas is not the process but the borrower's own file, among the 209 people here.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in St. Francis?

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 St. Francis?

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 St. Francis 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

Campbell, MO — population 1,525
Piggott, AR — population 3,538
Pollard, AR — population 189
Holcomb, MO — population 597
Greenway, AR — population 171
Nimmons, AR — population 64
Clarkton, MO — population 956
Qulin, MO — population 468