Personal loans in Bodcaw, AR
Two households in Bodcaw with comparable incomes can still be offered different rates; the city's 118 residents are not the reason.
Every figure below is Arkansas's own, applied to Bodcaw's 118 residents, with the publisher and retrieval date attached. At about 118 residents, Bodcaw is larger than roughly 14% of the places in Arkansas. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Bodcaw loan. From the 2020 Census base to the 2023 estimate, the population declined by about 3.3%. The nearest larger metro is Rosston, AR about 6 miles away.
Local context for Bodcaw
Most of what governs a Bodcaw loan is written in Arkansas law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 118 residents in Bodcaw (Vintage 2023 subcounty estimate), the 429th-largest figure among Arkansas's 500 places.
- Population trend: The 2020-to-2023 change is negative, near 3.3%.
- People gained or lost: about 4 fewer since the 2020 base.
- Size percentile: about 14% of Arkansas's Census places are smaller than Bodcaw.
- Population density: about 39 people per square mile across 3.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Bodcaw covers 3.0 square miles, the 190th-largest area among Arkansas's 500 places.
- Water area rank: Bodcaw ranks 112th among Arkansas's 500 places, with 0.04 sq mi.
- State share: roughly 0.0% of Arkansas's residents live in Bodcaw (118 people).
- National rank: Bodcaw is the 17,806th most populous of the 19,457 Census places covered here.
- Growth rank: Bodcaw's 2020-to-2023 change ranks 384th of 500 places in Arkansas.
- State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Bodcaw's 3.3%.
- Density rank: Bodcaw is the 494th most densely settled place in Arkansas.
- Density in context: Bodcaw's 39 people per square mile sit against a Arkansas median of 386.
- Location: 33.5636 / -93.3930, per the US Census Bureau Gazetteer.
- Nearest larger cities: Rosston (6 mi); Willisville (7 mi); Emmet (12 mi); Perrytown (12 mi); Hope (13 mi). Online lenders reach Bodcaw no matter how far the nearest branch is.
- Smaller communities within reach: Cale (10 mi); Patmos (11 mi); Oakhaven (17 mi).
- Within a 50-mile radius: 14 smaller Census places.
- At 100 miles: 196 larger Census places fall inside that radius.
Bodcaw: area, density and distance
Inside Bodcaw's boundaries lie roughly 3.0 square miles of land and 0.04 square miles of water. The resulting density is about 39 people per square mile. The state's population centre of gravity, Little Rock, is roughly 100 miles away. Counting outward 50 miles, 55 larger communities surround Bodcaw. Within the same 50 miles lie 14 smaller Census places.
How lenders reach Bodcaw
Bodcaw is sparsely settled, with about 39 people per square mile and 55 larger places within 50 miles. Whether Bodcaw has a local branch or not, a Arkansas-licensed lender can serve its 118 people online on the same terms. The nearest bigger place is Rosston, AR about 6 miles away.
What a Bodcaw borrower is actually offered
Bodcaw is a small community of about 118 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Bodcaw's rank of 429th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Bodcaw loan but raises total interest, so the smallest payment is not the cheapest loan.
Bodcaw against the rest of Arkansas
Among Arkansas's 500 places, Bodcaw sits at 429th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Bodcaw stands 384th among Arkansas's 500 places — roughly the 23th percentile. Its roughly 39 residents per square mile place it 494th among Arkansas's places. The population moved by about 4 people between 2020 and 2023, a 3.3% shift.
Arkansas consumer-lending rules applied in Bodcaw
Every row below records a Arkansas rule, its publisher and its retrieval date — the same rules a Bodcaw lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Arkansas 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 licensing | See 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 |
Common questions
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Nearby places
- Rosston, AR — population 269
- Willisville, AR — population 146
- Cale, AR — population 75
- Emmet, AR — population 401
- Patmos, AR — population 55
- Perrytown, AR — population 225
- Buckner, AR — population 156
- Hope, AR — population 8,558