Personal loans in Bradley, AR

Lenders active in Bradley report to a Arkansas supervisor, identified in the sourced rows below. The roughly 394 people who live in Bradley borrow under Arkansas rules; city hall sets no personal-loan rate.

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

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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.

The Census counts 394 people in Bradley, the 293rd-largest figure among Arkansas's 500 places. The 2020 count to the 2023 estimate shows about 3.7% decline in Bradley. Use the calculator on this page to price an amount and term before you commit in Bradley. For a bigger market, look to Taylor, AR about 11 miles away.

Bradley: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Arkansas rules a lender must follow — and they are below.

Population: a Census-estimated 394, 293rd among Arkansas's 500 places (Vintage 2023).
Population trend: A loss of roughly 3.7% between 2020 and 2023.
Change in people: the 2020-to-2023 comparison is a loss of about 15 residents.
Size percentile: roughly 41% of Arkansas places rank below Bradley.
Population density: about 432 people per square mile across 0.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Bradley ranks 373rd among Arkansas's 500 places, at 0.9 sq mi.
Within Arkansas: about 0.0% of the state's population lives in Bradley.
National rank: Bradley is the 14,156th most populous of the 19,457 Census places covered here.
Growth rank: Bradley ranks 406th among Arkansas's 500 places for the 2020-to-2023 change.
State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Bradley's 3.7%.
Density rank: Bradley is the 226th most densely settled place in Arkansas.
Density in context: Bradley's 432 people per square mile sit against a Arkansas median of 386.
Location: 33.1001 / -93.6569, per the US Census Bureau Gazetteer.
Nearest larger cities: Taylor (11 mi); Springhill (13 mi); Plain Dealing (14 mi); Cullen (15 mi); Fouke (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller places nearby: Ida (16 mi); Garland (18 mi); Hosston (20 mi).
Smaller neighbours: 29 places smaller than Bradley sit within 50 miles.
Larger places within 100 miles: 145.

What is available to Bradley borrowers

Bradley is a lightly settled community of about 394 people, with 43 larger places inside a 50-mile radius. What is available to Bradley's 394 borrowers is set by Arkansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Taylor, AR about 11 miles away.

Before you apply in Bradley

These steps shape the offer you get in Bradley, a place of about 394 people:

Pull your credit reports first and correct any error before a lender sees the file.
Model the payment on the calculator before a lender models it for you.
Line up several pre-qualified offers and let the APR decide.
Confirm the Arkansas licence with the regulator named above before committing.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Look for an origination fee or prepayment penalty in the written disclosure.
Make sure the new payment leaves room in a budget you already keep.

In Bradley as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 394 residents.

The geography behind Bradley

The Census Gazetteer records about 0.9 square miles of land within Bradley, with no significant water area listed. With 394 residents, the land area yields roughly 432 people per square mile. The largest place in Arkansas, Little Rock, lies about 135 miles away. A 50-mile radius around Bradley takes in 43 places that are larger. By land area it ranks 373rd of 500 Arkansas places.

How personal loans work in Bradley

Bradley is a small community of about 394 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Bradley can be quoted different APRs on the same amount and term. Shortening the term on a Bradley loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Arkansas lending rules that reach Bradley

Below are the Arkansas rules that apply to a loan made in Bradley, each with the regulator that issued it.

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

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Common questions

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

What loan size can I expect in Bradley?

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 Bradley?

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 Bradley 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

Taylor, AR — population 562
Plain Dealing, LA — population 878
Springhill, LA — population 4,509
Cullen, LA — population 682
Ida, LA — population 209
Garland, AR — population 196
Lewisville, AR — population 876
Fouke, AR — population 813