Personal loans in Bauxite, AR

From the 2020 Census base to the 2023 estimate, the population rose by about 3.0%. The roughly 644 people who live in Bauxite borrow under Arkansas rules; city hall sets no personal-loan rate.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Census estimates 644 residents in Bauxite, which ranks it 229th of 500 places in Arkansas. The nearest larger metro is Benton, AR about 4 miles away. State law, not city hall, decides what a lender may do to Bauxite's roughly 644 residents, and a state regulator supervises it. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Bauxite loan.

Where Bauxite stands

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

Land, water and location for Bauxite

Bauxite's land area is about 3.4 square miles; a further 0.08 square miles is water. Spread across it are roughly 188 residents per square mile. For the state's biggest city, Little Rock, the distance is roughly 14 miles. Bauxite has 38 larger places within a 50-mile radius. By land area it ranks 166th of 500 Arkansas places.

What shapes a Bauxite personal loan

A Bauxite personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 644 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Bauxite. Shortening the term on a Bauxite loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Bauxite's place among Arkansas's 500 places

Bauxite is the 229th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Bauxite stands 84th among Arkansas's 500 places — roughly the 83th percentile. Its roughly 188 residents per square mile place it 388th among Arkansas's places. In land area, Bauxite ranks 166th among Arkansas's 500 places.

How lenders reach Bauxite

At roughly 188 people per square mile, Bauxite is lightly settled; 38 larger places lie within 50 miles. What is available to Bauxite's 644 borrowers is set by Arkansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Benton, AR about 4 miles away.

Arkansas consumer-lending rules applied in Bauxite

This table holds the Arkansas rate and licensing rules for consumer loans made to Bauxite's 644 residents.

RuleDetailSource
State lending regulatorArkansas 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
Payday lending statusNot 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
Small-loan / installment lender licensingSee the latest published figure
value_text left null: the State Bank Department does not publish a consumer small-loan license rate schedule that could be verified; storefront payday lending has been eliminated (see Payday lending status). See the linked regulator page for the licensee categories it supervises.
Arkansas State Bank Department
as of 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Bauxite 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 Bauxite is the same as anywhere in Arkansas.
What loan size can I expect in Bauxite?
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 Bauxite?
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 Bauxite 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.

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