Personal loans in Bentonville, AR

A lender serving Bentonville holds a Arkansas licence and answers to a Arkansas regulator; no city office is involved for its 59,471 residents.

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.

Every figure below is Arkansas's own, applied to Bentonville's 59,471 residents, with the publisher and retrieval date attached. An estimated 59,471 people make their home in Bentonville, a figure that ranks 9th in Arkansas. Rate-shopping from Bentonville costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The 2020 count to the 2023 estimate shows about 9.7% growth in Bentonville. For a bigger market, look to Rogers, AR about 5 miles away.

Local context for Bentonville

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

What Arkansas law requires in Bentonville

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

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
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
Maximum legal interest rate (usury cap)17% per annum for loans not made by or to governmental units or by federally insured depository institutions (Amendment 89, effective January 1, 2011)
Source says: "shall not exceed seventeen percent (17%) per annum".
Arkansas Legislature — Arkansas Constitution, Amendment 89, § 3 (proposed by H.J.R. 1004 of 2009)
as of 2026-09-16

The geography behind Bentonville

Bentonville covers about 35.5 square miles of land, with 0.21 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,676 residents per square mile. The largest place in Arkansas, Little Rock, lies about 154 miles away. Counting outward 50 miles, 3 larger communities surround Bentonville. By land area it ranks 13th of 500 Arkansas places.

What shapes a Bentonville personal loan

Bentonville is a mid-sized city of about 59,471 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Bentonville's 59,471 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Bentonville decides the split between a comfortable payment and the total interest you pay.

How lenders reach Bentonville

Bentonville is moderately settled, with about 1,676 people per square mile and 3 larger places within 50 miles. Whether Bentonville has a local branch or not, a Arkansas-licensed lender can serve its 59,471 people online on the same terms. The nearest larger city, Rogers, AR about 5 miles away.

Bentonville's place among Arkansas's 500 places

Against Arkansas's other places, Bentonville accounts for about 2.9% of the state's population and ranks 9th of 500 by size. On the 2020-to-2023 trend, Bentonville stands 22nd among Arkansas's 500 places — roughly the 96th percentile. Its roughly 1,676 residents per square mile place it 12th among Arkansas's places. In land area, Bentonville ranks 13th among Arkansas's 500 places.

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

Nearby places

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