Personal loans in Bearden, AR

With roughly 739 residents, Bearden is a small community, and the lending rules its borrowers live under are written in Arkansas, not by the city. Bearden is one of 500 Census places in Arkansas; its 739 residents put it at 214th.

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 trend for Bearden between 2020 and 2023 is downward by roughly 4.5%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Bearden loan. A larger market lies at East Camden, AR about 11 miles away. Every figure below is Arkansas's own, applied to Bearden's 739 residents, with the publisher and retrieval date attached.

The Bearden data picture

Read the local figures below as context; read the sourced Arkansas table as the rulebook a lender here must follow.

The geography behind Bearden

The Census Gazetteer records about 1.6 square miles of land within Bearden, with no significant water area listed. That land carries about 458 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 71 miles. A 50-mile radius around Bearden takes in 20 places that are larger. By land area it ranks 281st of 500 Arkansas places.

How personal loans work in Bearden

With roughly 739 residents, Bearden is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Bearden lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Bearden loan but raises total interest, so the smallest payment is not the cheapest loan.

Bearden's place among Arkansas's 500 places

Against Arkansas's other places, Bearden accounts for about 0.0% of the state's population and ranks 214th of 500 by size. Its 2020-to-2023 change ranks 436th of 500 Arkansas places, putting it near the 13th percentile for growth. By density, at about 458 people per square mile, it ranks 212th in Arkansas. Within 50 miles sit 35 smaller Census places, alongside the 20 that are larger.

Which Arkansas laws govern a loan in Bearden

These are Arkansas's sourced lending facts as they reach Bearden's 739 residents; the state has no city-level rate rule.

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 lenders reach Bearden

Bearden is lightly settled, with about 458 people per square mile and 20 larger places within 50 miles. A Arkansas licence lets a lender serve Bearden without a local office, so branch density does not change what its 739 residents are offered. The nearest bigger place is East Camden, AR about 11 miles away.

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 Bearden 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 Bearden is the same as anywhere in Arkansas.
What loan size can I expect in Bearden?
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 Bearden?
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 Bearden 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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