Personal loans in Dardanelle, AR

Two households in Dardanelle with comparable incomes can still be offered different rates; the city's 4,504 residents are not the reason. Dardanelle is one of 500 Census places in Arkansas; its 4,504 residents put it at 74th.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The trend for Dardanelle between 2020 and 2023 is downward by roughly 0.2%. Lenders active in Dardanelle report to a Arkansas supervisor, identified in the sourced rows below. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Dardanelle loan. The nearest larger city is Russellville, AR about 4 miles away.

What the Census records for Dardanelle

Two layers matter for a Dardanelle borrower: the local population picture and Arkansas's consumer-lending statutes.

What is available to Dardanelle borrowers

Dardanelle is a moderately settled community of about 4,504 people, with 5 larger places inside a 50-mile radius. Distance to a branch rarely matters for Dardanelle's 4,504 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Russellville, AR about 4 miles away.

Which Arkansas laws govern a loan in Dardanelle

The rows below set out what a licensed lender must follow in Arkansas, and so for Dardanelle's roughly 4,504 residents.

RuleDetailSource
State lending regulatorArkansas 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
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
Payday lending statusNot permitted — all storefront payday lending eliminated; the Attorney General has worked to eliminate all forms of payday lending since 2008
Source says: "the Attorney General's office has worked to eliminate all forms of payday lending in Arkansas"; "all storefront payday loan operations in Arkansas have been shut down".
Arkansas Attorney General — Consumer Protection Division
as of 2026-09-16

Dardanelle on the map

The Census Gazetteer records about 3.6 square miles of land within Dardanelle, with no significant water area listed. With 4,504 residents, the land area yields roughly 1,236 people per square mile. Little Rock, the largest place in Arkansas, is about 57 miles from Dardanelle. Counting outward 50 miles, 5 larger communities surround Dardanelle. Within the same 50 miles lie 47 smaller Census places.

Inside a Dardanelle personal loan

With roughly 4,504 residents, Dardanelle is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Dardanelle can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Dardanelle loan is knowable in advance — unlike a revolving card balance.

Dardanelle against the rest of Arkansas

Within Arkansas, Dardanelle holds roughly 0.2% of all residents, the 74th-largest share among 500 places. On the 2020-to-2023 trend, Dardanelle stands 245th among Arkansas's 500 places — roughly the 51th percentile. Its roughly 1,236 residents per square mile place it 34th among Arkansas's places. Within 50 miles sit 47 smaller Census places, alongside the 5 that are larger.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Dardanelle 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 Dardanelle is the same as anywhere in Arkansas.
What loan size can I expect in Dardanelle?
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 Dardanelle?
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 Dardanelle 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.

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