Personal loans in Caulksville, AR

In Caulksville, one of 500 Census places in Arkansas, the figure to compare across lenders is the APR, not the advertised rate. Which products a lender may offer to Caulksville's 156 residents follows from the Arkansas consumer-lending framework. Begin with the payment, then weigh APR and total interest across the lenders that reach Caulksville's 156 residents. For a bigger market, look to Ratcliff, AR about 1 miles away.

The Caulksville data picture

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

• Population: about 156 people live here, which puts Caulksville 404th of 500 Census places in Arkansas (Vintage 2023).
• Population trend: About 0.6% above the 2020 Census base.
• People gained or lost: about 1 more since the 2020 base.
• Size percentile: roughly 19% of Arkansas places rank below Caulksville.
• Density: roughly 116 residents per square mile, spread over 1.3 sq mi of land.
• Land area rank: Caulksville's 1.3 square miles rank 303rd of 500 places in Arkansas.
• Water area rank: Caulksville ranks 166th among Arkansas's 500 places, with 0.01 sq mi.
• Within Arkansas: about 0.0% of the state's population lives in Caulksville.
• National rank: Caulksville is the 17,191st most populous of the 19,457 Census places covered here.
• Growth rank: Caulksville ranks 195th among Arkansas's 500 places for the 2020-to-2023 change.
• Against the state trend: Caulksville's 0.6% change compares with a Arkansas average of +0.3% across its 500 places.
• Density rank: Caulksville is the 435th most densely settled place in Arkansas.
• Density vs Arkansas: Caulksville's 116 people per square mile compare with a state median of 386.
• Location: it lies at 35.3018, -93.8678 in the Census Gazetteer.
• Nearest larger cities: Ratcliff (1 mi); Branch (5 mi); Paris (8 mi); Charleston (10 mi); Denning (11 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller places: Wiederkehr Village (13 mi); Blue Mountain (15 mi); Morrison Bluff (20 mi).
• Smaller places within 50 miles: 8 of them.
• At 100 miles: 239 larger Census places fall inside that radius.

How lenders reach Caulksville

Caulksville is lightly settled, with about 116 people per square mile and 61 larger places within 50 miles. Whether Caulksville has a local branch or not, a Arkansas-licensed lender can serve its 156 people online on the same terms. The nearest larger city, Ratcliff, AR about 1 miles away.

Land, water and location for Caulksville

Caulksville covers about 1.3 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). That land carries about 116 people per square mile. The state's population centre of gravity, Little Rock, is roughly 94 miles away. Within 50 miles of Caulksville there are 61 larger Census places. The 100-mile radius contains 239 larger places.

What shapes a Caulksville personal loan

A Caulksville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 156 residents. Federal Truth in Lending rules require a Caulksville lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Caulksville loan is knowable in advance — unlike a revolving card balance.

Caulksville's place among Arkansas's 500 places

Caulksville is the 404th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Caulksville stands 195th among Arkansas's 500 places — roughly the 61th percentile. At about 116 people per square mile, Caulksville is the 435th most densely settled place in Arkansas. The population moved by about 1 people between 2020 and 2023, a 0.6% shift.

How Arkansas law applies in Caulksville

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