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.

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 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.

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.

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

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