Personal loans in Waldron, AR

Compare APR, not the interest rate, because the APR folds in most fees on a Waldron loan. For the 3,361 people in Waldron, Arkansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Population in Waldron dropped about 0.7% over the three years from 2020 to 2023. The closest larger place is Booneville, AR about 19 miles away.

Waldron: the sourced local profile

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

• Population: 3,361 — Waldron ranks 93rd of 500 communities in Arkansas (US Census Bureau, Vintage 2023).
• Population trend: Roughly 0.7% fewer residents than the 2020 Census counted.
• People gained or lost: about 23 fewer since the 2020 base.
• Size percentile: Waldron sits ahead of around 81% of Arkansas places, at 3,361 people.
• Land and density: 5.6 square miles of land carry roughly 597 residents per square mile.
• By land area: Waldron ranks 113th among Arkansas's 500 places, at 5.6 sq mi.
• Water area: Waldron has 0.09 square miles of water, ranking 63rd of 500 places in Arkansas.
• State share: roughly 0.2% of Arkansas's residents live in Waldron (3,361 people).
• National rank: Waldron is 5,943rd of 19,457 places nationwide.
• Growth in Arkansas: Waldron stands 270th by percentage change from 2020 to 2023, among 500 places.
• Versus Arkansas: the state average change is +0.3%, while Waldron moved 0.7%.
• Density rank: Waldron is the 157th most densely settled place in Arkansas.
• Density vs Arkansas: Waldron's 597 people per square mile compare with a state median of 386.
• Location: 34.9033 / -94.0948, per the US Census Bureau Gazetteer.
• Nearest larger cities: Booneville (19 mi); Greenwood (23 mi); Mena (24 mi); Barling (31 mi); Poteau (31 mi). Larger metros often have more branches, but online lenders reach Waldron on the same terms.
• Nearest smaller towns: Mansfield (14 mi); Huntington (16 mi); Hartford (18 mi).
• Smaller places within 50 miles: 57 of them.
• Larger places within 100 miles: 52.

What shapes a Waldron personal loan

A Waldron personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 3,361 residents. The APR tracks your credit score rather than Waldron's rank of 93rd in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Waldron loan is knowable in advance — unlike a revolving card balance.

The Arkansas lending rules that reach Waldron

This table holds the Arkansas rate and licensing rules for consumer loans made to Waldron's 3,361 residents.

Borrowing reach in Waldron

With about 597 residents per square mile, Waldron is moderately settled, and 11 larger Census places sit within 50 miles. What is available to Waldron's 3,361 borrowers is set by Arkansas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Booneville, AR about 19 miles away.

Where Waldron sits

Waldron's land area is about 5.6 square miles; a further 0.09 square miles is water. With 3,361 residents, the land area yields roughly 597 people per square mile. The state's population centre of gravity, Little Rock, is roughly 99 miles away. Counting outward 50 miles, 11 larger communities surround Waldron. By land area it ranks 113th of 500 Arkansas places.

The Waldron borrowing checklist

A sensible order of operations for a loan in Waldron, home to about 3,361 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Arkansas licence with the regulator named above before committing.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Waldron-specific: the same Arkansas licensing and disclosure rules reach all 3,361 residents.