Personal loans in Caddo Valley, AR

An estimated 590 people make their home in Caddo Valley, a figure that ranks 242nd in Arkansas. For a borrower among the roughly 590 residents of Caddo Valley, a personal loan is a tool whose cost turns on the terms, not the address. If debt is already a strain, a nonprofit credit counsellor can help Caddo Valley residents before they take on more. Consumer lending that reaches Caddo Valley's 590 residents is governed by Arkansas statute; no city ordinance changes it. The trend for Caddo Valley between 2020 and 2023 is downward by roughly 0.7%. For a bigger market, look to Arkadelphia, AR about 4 miles away.

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

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Where Caddo Valley stands

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

Population: 590 — Caddo Valley ranks 242nd of 500 communities in Arkansas (US Census Bureau, Vintage 2023).
Population trend: Roughly 0.7% fewer residents than the 2020 Census counted.
Absolute change: 4 residents lost between 2020 and 2023.
Size percentile: about 52% of Arkansas communities are smaller than Caddo Valley (590 residents).
Density: roughly 191 residents per square mile, spread over 3.1 sq mi of land.
Land area rank: Caddo Valley's 3.1 square miles rank 182nd of 500 places in Arkansas.
Water area: Caddo Valley has 0.01 square miles of water, ranking 175th of 500 places in Arkansas.
State share: roughly 0.0% of Arkansas's residents live in Caddo Valley (590 people).
National rank: Caddo Valley is the 12,505th most populous of the 19,457 Census places covered here.
Growth rank: Caddo Valley ranks 269th among Arkansas's 500 places for the 2020-to-2023 change.
State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Caddo Valley's 0.7%.
Density in Arkansas: Caddo Valley ranks 384th by people per square mile.
Density in context: Caddo Valley's 191 people per square mile sit against a Arkansas median of 386.
Location: mapped by the US Census Bureau at 34.1807, -93.0846.
Nearest larger cities: Arkadelphia (4 mi); Gurdon (19 mi); Malvern (20 mi); Hot Springs (21 mi); Rockport (22 mi). Larger metros often have more branches, but online lenders reach Caddo Valley on the same terms.
Nearest smaller towns: Friendship (6 mi); Midway (8 mi); Gum Springs (8 mi) — useful context for the surrounding area.
Smaller places within 50 miles: 36 of them.
At 100 miles: 126 larger Census places fall inside that radius.

Lender access in Caddo Valley

Caddo Valley is a lightly settled community of about 590 people, with 23 larger places inside a 50-mile radius. A Arkansas licence lets a lender serve Caddo Valley without a local office, so branch density does not change what its 590 residents are offered. For a larger market, the closest option is Arkadelphia, AR about 4 miles away.

The Caddo Valley borrowing checklist

Complete these steps first when you borrow in Caddo Valley (590 residents):

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Verify the lender's Arkansas licence with the regulator listed on this page.
Check that the monthly payment fits your budget next to your existing obligations.
Pick the shortest term whose payment you can comfortably afford.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across Arkansas; what changes is your credit file, not the fact that Caddo Valley holds 590 people.

How personal loans work in Caddo Valley

With roughly 590 residents, Caddo Valley is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Caddo Valley lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Caddo Valley loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Caddo Valley sits in Arkansas

Caddo Valley is the 242nd-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 269th of 500 Arkansas places, putting it near the 46th percentile for growth. Its roughly 191 residents per square mile place it 384th among Arkansas's places. By land area, its 3.1 square miles rank 182nd of 500 places in Arkansas.

Arkansas rules behind a Caddo Valley personal loan

This table holds the Arkansas rate and licensing rules for consumer loans made to Caddo Valley's 590 residents.

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

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Common questions

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

What loan size can I expect in Caddo Valley?

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 Caddo Valley?

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 Caddo Valley 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

Arkadelphia, AR — population 10,255
Friendship, AR — population 159
Gum Springs, AR — population 91
Midway, AR — population 371
Donaldson, AR — population 276
Gurdon, AR — population 1,836
Hot Springs, AR — population 37,994
Okolona, AR — population 98