Personal loans in Charleston, AR

What the Census records for Charleston

Charleston is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: about 2,690, ranked 108th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
• Population trend: Higher by roughly 4.1% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 106 residents.
• Size percentile: roughly 78% of Arkansas's places have fewer residents than Charleston's 2,690.
• Population density: about 702 people per square mile (Census land area 3.8 sq mi).
• Land area: Charleston covers 3.8 square miles, the 154th-largest area among Arkansas's 500 places.
• Water: Charleston holds about 0.11 square miles, the 54th-largest water area in Arkansas.
• Share of state population: Charleston's 2,690 residents are about 0.1% of Arkansas.
• National rank: Charleston is 6,621st of 19,457 places nationwide.
• Growth in Arkansas: Charleston stands 63rd by percentage change from 2020 to 2023, among 500 places.
• State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Charleston's 4.1%.
• Density in Arkansas: Charleston ranks 121st by people per square mile.
• Against the state median: Charleston runs about 702 residents per square mile, where the Arkansas median is 386.
• Location: latitude 35.2945, longitude -94.0483 (Census Gazetteer).
• Nearest larger cities: Greenwood (12 mi); Booneville (13 mi); Barling (13 mi); Alma (17 mi); Paris (18 mi). Larger metros often have more branches, but online lenders reach Charleston on the same terms.
• Nearest smaller towns: Branch (5 mi); Lavaca (8 mi); Ratcliff (9 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 57 smaller Census places.
• Within 100 miles: 68 places are larger than Charleston.

The Arkansas lending rules that reach Charleston

Every row below records a Arkansas rule, its publisher and its retrieval date — the same rules a Charleston lender must follow.

What shapes a Charleston personal loan

A Charleston personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,690 residents. Two numbers drive a Charleston loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Charleston loan is knowable in advance — unlike a revolving card balance.

Land, water and location for Charleston

Charleston covers about 3.8 square miles of land, with 0.11 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 702 residents per square mile. Little Rock, the largest place in Arkansas, is about 103 miles from Charleston. Charleston has 19 larger places within a 50-mile radius. The 100-mile radius contains 68 larger places.

How lenders reach Charleston

Charleston is a moderately settled community of about 2,690 people, with 19 larger places inside a 50-mile radius. A Arkansas licence lets a lender serve Charleston without a local office, so branch density does not change what its 2,690 residents are offered. The nearest bigger place is Greenwood, AR about 12 miles away.

Steps to take before a Charleston loan

For Charleston's roughly 2,690 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the lender holds a Arkansas licence by checking the regulator named above.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Charleston-specific: the same Arkansas licensing and disclosure rules reach all 2,690 residents.