Personal loans in Black Oak, AR

Personal loans in Black Oak are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 226 population. Population in Black Oak dropped about 3.0% over the three years from 2020 to 2023. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Black Oak loan. The closest larger place is Monette, AR about 4 miles away.

Local context for Black Oak

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

• Population: an estimated 226 residents, 359th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 3.0% from 2020 to 2023.
• People gained or lost: about 7 fewer since the 2020 base.
• Size percentile: Black Oak sits ahead of around 28% of Arkansas places, at 226 people.
• Population density: about 541 people per square mile (Census land area 0.4 sq mi).
• By land area: Black Oak ranks 436th among Arkansas's 500 places, at 0.4 sq mi.
• State population share: Black Oak accounts for about 0.0% of everyone in Arkansas.
• National standing: Black Oak ranks 16,075th of 19,457 US places.
• Growth in Arkansas: Black Oak stands 369th by percentage change from 2020 to 2023, among 500 places.
• Against the state trend: Black Oak's 3.0% change compares with a Arkansas average of +0.3% across its 500 places.
• Density rank: Black Oak is the 174th most densely settled place in Arkansas.
• Against the state median: Black Oak runs about 541 residents per square mile, where the Arkansas median is 386.
• Location: 35.8365, -90.3676 (Census Gazetteer coordinates).
• Nearest larger cities: Monette (4 mi); Lake City (5 mi); Caraway (6 mi); Leachville (8 mi); Etowah (11 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Victoria (18 mi); Dell (19 mi); Marie (22 mi).
• Within a 50-mile radius: 34 smaller Census places.
• Larger places within 100 miles: 257.

The geography behind Black Oak

Inside Black Oak's boundaries lie about 0.4 square miles of land, with no significant water area recorded. Spread across it are roughly 541 residents per square mile. Little Rock, the largest place in Arkansas, is about 136 miles from Black Oak. A 50-mile radius around Black Oak takes in 77 places that are larger. Within the same 50 miles lie 34 smaller Census places.

What a Black Oak borrower is actually offered

Most loans made to Black Oak's 226 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Black Oak. Because the payment is fixed, the total cost of a Black Oak loan is knowable in advance — unlike a revolving card balance.

Black Oak's place among Arkansas's 500 places

Within Arkansas, Black Oak holds roughly 0.0% of all residents, the 359th-largest share among 500 places. On the 2020-to-2023 trend, Black Oak stands 369th among Arkansas's 500 places — roughly the 26th percentile. Its roughly 541 residents per square mile place it 174th among Arkansas's places. By land area, its 0.4 square miles rank 436th of 500 places in Arkansas.

Lender access in Black Oak

Black Oak is moderately settled, with about 541 people per square mile and 77 larger places within 50 miles. Whether Black Oak has a local branch or not, a Arkansas-licensed lender can serve its 226 people online on the same terms. The nearest larger city, Monette, AR about 4 miles away.

The state rulebook for Black Oak

This table holds the Arkansas rate and licensing rules for consumer loans made to Black Oak's 226 residents.