Personal loans in Alma, AR

Alma is home to roughly 5,997 people and stands 61st by size out of 500 Census places in Arkansas. Price two or three terms so you can see which payment is truly affordable in Alma. To lend to Alma's 5,997 residents, a company must hold a Arkansas licence, and each sourced row below names the regulator behind it. The closest larger city is Van Buren, AR about 8 miles away.

What the Census records for Alma

Set out below is Alma's local context next to the state-level rules that reach every lender here.

• Population: about 5,997, ranked 61st of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is positive, near 2.9%.
• Absolute change: 167 residents added between 2020 and 2023.
• Size percentile: bigger than about 88% of the places in Arkansas, with 5,997 residents in Alma.
• Density: the Census land area of 5.7 sq mi holds about 1,046 people per square mile.
• By land area: Alma ranks 109th among Arkansas's 500 places, at 5.7 sq mi.
• Water: Alma holds about 0.17 square miles, the 39th-largest water area in Arkansas.
• State population share: Alma accounts for about 0.3% of everyone in Arkansas.
• National standing: Alma ranks 4,359th of 19,457 US places.
• Growth in Arkansas: Alma stands 88th by percentage change from 2020 to 2023, among 500 places.
• State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Alma's 2.9%.
• Density in Arkansas: Alma ranks 45th by people per square mile.
• Density in context: Alma's 1,046 people per square mile sit against a Arkansas median of 386.
• Location: coordinates 35.4924, -94.2139 (US Census Bureau Gazetteer).
• Nearest larger cities: Van Buren (8 mi); Fort Smith (13 mi); Greenwood (19 mi); Sallisaw (33 mi); Prairie Grove (34 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities within reach: Rudy (3 mi); Dyer (4 mi); Kibler (5 mi).
• Smaller places within 50 miles: 73 of them.
• At 100 miles: 37 larger Census places fall inside that radius.

Arkansas consumer-lending rules applied in Alma

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

Inside a Alma personal loan

In Alma, a small town of about 5,997, 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 Alma can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Alma loan but raises total interest, so the smallest payment is not the cheapest loan.

Alma against the rest of Arkansas

Within Arkansas, Alma holds roughly 0.3% of all residents, the 61st-largest share among 500 places. For population change between 2020 and 2023, Alma ranks 88th of 500 in Arkansas (about the 82th percentile). By density, at about 1,046 people per square mile, it ranks 45th in Arkansas. Within 50 miles sit 73 smaller Census places, alongside the 11 that are larger.

Land, water and location for Alma

Alma's land area is about 5.7 square miles; a further 0.17 square miles is water. Spread across it are roughly 1,046 residents per square mile. The largest place in Arkansas, Little Rock, lies about 117 miles away. A 50-mile radius around Alma takes in 11 places that are larger. By land area it ranks 109th of 500 Arkansas places.

A pre-application checklist for Alma

For Alma's roughly 5,997 residents, these are the steps that most influence the offer:

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. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Arkansas licence with the regulator named above before committing.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Alma and the rest of Arkansas is not the process but the borrower's own file, among the 5,997 people here.