Personal loans in Bradford, AR

A personal loan in Bradford is priced from your credit file and income, not from the fact that the city holds 679 people. From the 2020 Census base to the 2023 estimate, the population declined by about 0.1%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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An estimated 679 people make their home in Bradford, a figure that ranks 223rd in Arkansas. Begin with the payment, then weigh APR and total interest across the lenders that reach Bradford's 679 residents. Which products a lender may offer to Bradford's 679 residents follows from the Arkansas consumer-lending framework. The nearest larger metro is Bald Knob, AR about 10 miles away.

What the Census records for Bradford

Most of what governs a Bradford loan is written in Arkansas law rather than in the city; the sourced notes below make that split concrete.

Population: 679 residents; Bradford is the 223rd-largest of 500 places in Arkansas (US Census Bureau, Vintage 2023).
Population trend: A decline of about 0.1% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
Size percentile: about 55% of Arkansas communities are smaller than Bradford (679 residents).
Land and density: 0.9 square miles of land carry roughly 783 residents per square mile.
By land area: Bradford ranks 377th among Arkansas's 500 places, at 0.9 sq mi.
Share of Arkansas: Bradford holds about 0.0% of the state's population, some 679 people.
National rank: Bradford is the 11,919th most populous of the 19,457 Census places covered here.
Growth rank: Bradford ranks 242nd among Arkansas's 500 places for the 2020-to-2023 change.
Against the state trend: Bradford's 0.1% change compares with a Arkansas average of +0.3% across its 500 places.
Density in Arkansas: Bradford ranks 99th by people per square mile.
Density vs Arkansas: Bradford's 783 people per square mile compare with a state median of 386.
Location: 35.4220, -91.4552 (Census Gazetteer coordinates).
Nearest larger cities: Bald Knob (10 mi); Augusta (11 mi); Judsonia (15 mi); Kensett (18 mi); McCrory (18 mi). For most borrowers the comparison happens online, not at a branch.
Smaller places nearby: Russell (5 mi); Weldon (13 mi); Tupelo (13 mi).
Smaller neighbours: 54 places smaller than Bradford sit within 50 miles.
Within 100 miles: 147 places are larger than Bradford.

How Arkansas law applies in Bradford

Every row below records a Arkansas rule, its publisher and its retrieval date — the same rules a Bradford 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
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
Payday lending status	Not 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

Bradford on the map

Bradford's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 783 people per square mile. The largest place in Arkansas, Little Rock, lies about 70 miles away. Bradford has 34 larger places within a 50-mile radius. Within the same 50 miles lie 54 smaller Census places.

How lenders reach Bradford

Bradford is a moderately settled community of about 679 people, with 34 larger places inside a 50-mile radius. Lenders licensed in Arkansas reach Bradford's 679 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Bald Knob, AR about 10 miles away.

How a Bradford personal loan is priced

Most loans made to Bradford's 679 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Bradford's rank of 223rd in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Bradford loan is knowable in advance — unlike a revolving card balance.

Steps to take before a Bradford loan

For Bradford's roughly 679 residents, these are the steps that most influence the offer:

Start with the credit file: order the reports, fix the errors, then apply.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Line up several pre-qualified offers and let the APR decide.
Confirm the lender holds a Arkansas licence by checking the regulator named above.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Check that the monthly payment fits your budget next to your existing obligations.

What differs between Bradford and the rest of Arkansas is not the process but the borrower's own file, among the 679 people here.

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Common questions

What are my options in Bradford 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 Bradford is the same as anywhere in Arkansas.

What loan size can I expect in Bradford?

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 Bradford?

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 Bradford 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

Russell, AR — population 183
Bald Knob, AR — population 2,513
Augusta, AR — population 1,892
Oil Trough, AR — population 223
Pleasant Plains, AR — population 350
Weldon, AR — population 58
Tupelo, AR — population 71
Judsonia, AR — population 1,881