Personal loans in Cave City, AR
With 1,994 residents, Cave City outranks about 73% of the communities in Arkansas. If you are weighing a personal loan in Cave City, start from the payment you can carry; its 1,994 residents face the same statewide rules. Cave City gained roughly 3.5% in population across the 2020-to-2023 comparison. If debt is already a strain, a nonprofit credit counsellor can help Cave City residents before they take on more. When Arkansas caps or restricts a product, lenders either change the terms or withdraw it from Cave City as from the rest of the state. The closest larger city is Batesville, AR about 13 miles away.
The Cave City data picture
Two layers matter for a Cave City borrower: the local population picture and Arkansas's consumer-lending statutes.
- Population: 1,994 — Cave City ranks 134th of 500 communities in Arkansas (US Census Bureau, Vintage 2023).
- Population trend: Up about 3.5% from the 2020 Census base to the 2023 estimate.
- Absolute change: 68 residents added between 2020 and 2023.
- Size percentile: with 1,994 residents, Cave City is larger than about 73% of Arkansas's Census places.
- Land and density: 2.4 square miles of land carry roughly 815 residents per square mile.
- By land area: Cave City ranks 217th among Arkansas's 500 places, at 2.4 sq mi.
- Share of Arkansas: Cave City holds about 0.1% of the state's population, some 1,994 people.
- Nationally: Cave City is the 7,637th-largest of 19,457 Census places in the dataset.
- Growth in Arkansas: Cave City stands 73rd by percentage change from 2020 to 2023, among 500 places.
- Against the state trend: Cave City's 3.5% change compares with a Arkansas average of +0.3% across its 500 places.
- Density in Arkansas: Cave City ranks 88th by people per square mile.
- Density in context: Cave City's 815 people per square mile sit against a Arkansas median of 386.
- Location: 35.9478, -91.5470 (US Census Bureau Gazetteer).
- Nearest larger cities: Batesville (13 mi); Southside (16 mi); Horseshoe Bend (22 mi); Cherokee Village (24 mi); Newport (29 mi). Living near a larger metro rarely changes what is available in Cave City.
- Nearest smaller places: Sidney (7 mi); Evening Shade (9 mi); Moorefield (13 mi).
- Smaller places within 50 miles: 74 of them.
- At 100 miles: 66 larger Census places fall inside that radius.
Cave City's place among Arkansas's 500 places
Within Arkansas, Cave City holds roughly 0.1% of all residents, the 134th-largest share among 500 places. For population change between 2020 and 2023, Cave City ranks 73rd of 500 in Arkansas (about the 85th percentile). Its roughly 815 residents per square mile place it 88th among Arkansas's places. The population moved by about 68 people between 2020 and 2023, a 3.5% shift.
Arkansas consumer-lending rules applied in Cave City
Arkansas has no separate rate rule for Cave City; the sourced rows below are what reach every lender that serves its 1,994 people.
| 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 |
Lender access in Cave City
With about 815 residents per square mile, Cave City is moderately settled, and 15 larger Census places sit within 50 miles. Distance to a branch rarely matters for Cave City's 1,994 residents: the application is online and the price follows your credit file. The nearest larger city, Batesville, AR about 13 miles away.
What shapes a Cave City personal loan
In Cave City, a small community of about 1,994, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Cave City. Because the payment is fixed, the total cost of a Cave City loan is knowable in advance — unlike a revolving card balance.
Cave City on the map
Inside Cave City's boundaries lie about 2.4 square miles of land, with no significant water area recorded. The resulting density is about 815 people per square mile. The state's population centre of gravity, Little Rock, is roughly 96 miles away. Within 50 miles of Cave City there are 15 larger Census places. By land area it ranks 217th of 500 Arkansas places.
Common questions
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Nearby places
- Sidney, AR — population 197
- Evening Shade, AR — population 430
- Moorefield, AR — population 120
- Batesville, AR — population 11,515
- Sulphur Rock, AR — population 615
- Strawberry, AR — population 263
- Mount Pleasant, AR — population 368
- Southside, AR — population 4,271