Personal loans in Concord, AR

A 2020-to-2023 comparison shows Concord up by about 2.1%. For a community of about 193, the practical step is to compare APR across at least three lenders before committing. For a bigger market, look to Southside, AR about 13 miles away. State law, not city hall, decides what a lender may do to Concord's roughly 193 residents, and a state regulator supervises it.

Concord by the numbers

Here is the sourced Census picture for Concord, plus the Arkansas lending rules that apply to a loan taken out here.

• Population: 193 people, a figure that places Concord 377th among the 500 Census places in Arkansas (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 2.1% between 2020 and 2023.
• Absolute change: 4 residents added between 2020 and 2023.
• Size percentile: about 25% of Arkansas's Census places are smaller than Concord.
• Population density: about 63 people per square mile (Census land area 3.1 sq mi).
• Land area rank: Concord's 3.1 square miles rank 187th of 500 places in Arkansas.
• Within Arkansas: about 0.0% of the state's population lives in Concord.
• National rank: Concord sits 16,591st by population among the 19,457 places in this dataset.
• Growth rank: Concord ranks 126th among Arkansas's 500 places for the 2020-to-2023 change.
• Versus Arkansas: the state average change is +0.3%, while Concord moved 2.1%.
• Density in Arkansas: Concord ranks 482nd by people per square mile.
• Density in context: Concord's 63 people per square mile sit against a Arkansas median of 386.
• Location: the Census Gazetteer records it at 35.6663, -91.8606.
• Nearest larger cities: Southside (13 mi); Cushman (15 mi); Heber Springs (15 mi); Batesville (15 mi); Pleasant Plains (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Moorefield (18 mi); Guion (19 mi); Higden (21 mi).
• Within a 50-mile radius: 19 smaller Census places.
• Within 100 miles: 228 places are larger than Concord.

The Arkansas lending rules that reach Concord

Arkansas has no separate rate rule for Concord; the sourced rows below are what reach every lender that serves its 193 people.

Where Concord sits in Arkansas

Set beside Arkansas's 500 places, Concord ranks 377th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Concord ranks 126th of 500 in Arkansas (about the 75th percentile). By density, at about 63 people per square mile, it ranks 482nd in Arkansas. By land area, its 3.1 square miles rank 187th of 500 places in Arkansas.

Before you apply in Concord

Complete these steps first when you borrow in Concord (193 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Arkansas regulator's records to confirm the lender is licensed here.
5. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

The process is identical across Arkansas; what changes is your credit file, not the fact that Concord holds 193 people.

Lender access in Concord

At roughly 63 people per square mile, Concord is sparsely settled; 68 larger places lie within 50 miles. Lenders licensed in Arkansas reach Concord's 193 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Southside, AR about 13 miles away.

What a Concord borrower is actually offered

Most loans made to Concord's 193 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Concord's rank of 377th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Concord loan raises the monthly payment but cuts the interest; lengthening it does the reverse.