Personal loans in Decatur, AR

Decatur is one of 500 Census places in Arkansas; its 1,727 residents put it at 148th. Consumer lending that reaches Decatur's 1,727 residents is governed by Arkansas statute; no city ordinance changes it. From the 2020 Census base to the 2023 estimate, the population declined by about 3.4%. A larger market lies at Gentry, AR about 6 miles away.

Borrowing in Decatur: the local picture

Only a few things actually differ by place — population, area, location, and the Arkansas rules a lender must follow — and they are below.

• Population: 1,727 — Decatur ranks 148th of 500 communities in Arkansas (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 3.4% between 2020 and 2023.
• People gained or lost: about 61 fewer since the 2020 base.
• Size percentile: roughly 70% of Arkansas places rank below Decatur.
• Land and density: 4.8 square miles of land carry roughly 363 residents per square mile.
• Land area rank: Decatur's 4.8 square miles rank 132nd of 500 places in Arkansas.
• Water area rank: Decatur ranks 91st among Arkansas's 500 places, with 0.06 sq mi.
• State population share: Decatur accounts for about 0.1% of everyone in Arkansas.
• National standing: Decatur ranks 8,175th of 19,457 US places.
• Growth in Arkansas: Decatur stands 392nd by percentage change from 2020 to 2023, among 500 places.
• Against the state trend: Decatur's 3.4% change compares with a Arkansas average of +0.3% across its 500 places.
• Density rank: Decatur is the 265th most densely settled place in Arkansas.
• Density in context: Decatur's 363 people per square mile sit against a Arkansas median of 386.
• Location: latitude 36.3485, longitude -94.4580 (Census Gazetteer).
• Nearest larger cities: Gentry (6 mi); Gravette (7 mi); Centerton (9 mi); Highfill (9 mi); Siloam Springs (12 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Springtown (6 mi); Sulphur Springs (9 mi); Colcord (14 mi).
• Within a 50-mile radius: 69 smaller Census places.
• Within 100 miles: 129 places are larger than Decatur.

The geography behind Decatur

Decatur covers about 4.8 square miles of land, with 0.06 square miles of water inside its boundaries (Census Gazetteer). With 1,727 residents, the land area yields roughly 363 people per square mile. Little Rock, the largest place in Arkansas, is about 163 miles from Decatur. A 50-mile radius around Decatur takes in 44 places that are larger. Within the same 50 miles lie 69 smaller Census places.

How lenders reach Decatur

Decatur is a lightly settled community of about 1,727 people, with 44 larger places inside a 50-mile radius. A Arkansas licence lets a lender serve Decatur without a local office, so branch density does not change what its 1,727 residents are offered. For a larger market, the closest option is Gentry, AR about 6 miles away.

What a Decatur borrower is actually offered

With roughly 1,727 residents, Decatur is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Decatur lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Decatur loan is knowable in advance — unlike a revolving card balance.

Arkansas rules behind a Decatur personal loan

Read the table as a lender's compliance picture for Decatur: the rule, the sourced figure, the publisher and the date.

Before you apply in Decatur

Complete these steps first when you borrow in Decatur (1,727 residents):

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the Arkansas licence with the regulator named above before committing.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Be clear on what the loan is for and how it gets repaid.

What differs between Decatur and the rest of Arkansas is not the process but the borrower's own file, among the 1,727 people here.