Personal loans in Ulm, AR

The nearest larger metro is Stuttgart, AR about 7 miles away. From the 2020 Census base to the 2023 estimate, the population rose by about 1.7%. A single loan can carry different costs on either side of a state line, and Ulm sits on the Arkansas side of that line. Work out your debt-to-income ratio first; lenders weigh it heavily, and Ulm's 178 residents are no exception.

Where Ulm stands

Two layers matter for a Ulm borrower: the local population picture and Arkansas's consumer-lending statutes.

• Population: 178 — Ulm ranks 386th of 500 communities in Arkansas (US Census Bureau, Vintage 2023).
• Population trend: Up about 1.7% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 3 more since the 2020 base.
• Size percentile: Ulm's 178 people outrank roughly 23% of the places in Arkansas.
• Land and density: 0.3 square miles of land carry roughly 682 residents per square mile.
• By land area: Ulm ranks 472nd among Arkansas's 500 places, at 0.3 sq mi.
• State share: roughly 0.0% of Arkansas's residents live in Ulm (178 people).
• National rank: Ulm is 16,822nd of 19,457 places nationwide.
• Growth rank: Ulm's 2020-to-2023 change ranks 138th of 500 places in Arkansas.
• State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Ulm's 1.7%.
• Density rank: Ulm is the 125th most densely settled place in Arkansas.
• Density vs Arkansas: Ulm's 682 people per square mile compare with a state median of 386.
• Location: 34.5762, -91.4617 (US Census Bureau Gazetteer).
• Nearest larger cities: Stuttgart (7 mi); Clarendon (12 mi); Almyra (12 mi); De Valls Bluff (14 mi); Holly Grove (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities close by: Roe (6 mi); Allport (19 mi); Coy (23 mi), each with its own Census population profile.
• Within a 50-mile radius: 16 smaller Census places.
• Within 100 miles: 234 places are larger than Ulm.

Ulm: area, density and distance

Ulm's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 178 residents, the land area yields roughly 682 people per square mile. The state's population centre of gravity, Little Rock, is roughly 52 miles away. Counting outward 50 miles, 55 larger communities surround Ulm. By land area it ranks 472nd of 500 Arkansas places.

How personal loans work in Ulm

With roughly 178 residents, Ulm is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Ulm's 178 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Ulm loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Arkansas lending rules that reach Ulm

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

A pre-application checklist for Ulm

Before you hand your details to a lender in Ulm, where the population is near 178:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Arkansas regulator's licence records before you sign.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Ulm as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 178 residents.

Ulm in state context

Ulm is the 386th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Ulm stands 138th among Arkansas's 500 places — roughly the 72th percentile. At about 682 people per square mile, Ulm is the 125th most densely settled place in Arkansas. The population moved by about 3 people between 2020 and 2023, a 1.7% shift.