Personal loans in Dell, AR

If you are weighing a personal loan in Dell, start from the payment you can carry; its 184 residents face the same statewide rules. The Census estimates 184 residents in Dell, which ranks it 384th of 500 places in Arkansas.

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.

Begin with the payment, then weigh APR and total interest across the lenders that reach Dell's 184 residents. The 2020 count to the 2023 estimate shows about 5.6% decline in Dell. Lenders active in Dell report to a Arkansas supervisor, identified in the sourced rows below. For a bigger market, look to Manila, AR about 8 miles away.

The Dell data picture

Read the local figures below as context; read the sourced Arkansas table as the rulebook a lender here must follow.

The geography behind Dell

Inside Dell's boundaries lie about 0.9 square miles of land, with no significant water area recorded. The resulting density is about 200 people per square mile. Little Rock, the largest place in Arkansas, is about 153 miles from Dell. Within 50 miles of Dell there are 83 larger Census places. The 100-mile radius contains 291 larger places.

How lenders reach Dell

With about 200 residents per square mile, Dell is lightly settled, and 83 larger Census places sit within 50 miles. What is available to Dell's 184 borrowers is set by Arkansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Manila, AR about 8 miles away.

How Dell compares across Arkansas

Within Arkansas, Dell holds roughly 0.0% of all residents, the 384th-largest share among 500 places. Its 2020-to-2023 change ranks 471st of 500 Arkansas places, putting it near the 6th percentile for growth. At about 200 people per square mile, Dell is the 378th most densely settled place in Arkansas. By land area, its 0.9 square miles rank 372nd of 500 places in Arkansas.

Arkansas rules behind a Dell personal loan

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

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

How a Dell personal loan is priced

Most loans made to Dell's 184 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Dell. A longer term lowers the monthly payment on a Dell loan but raises total interest, so the smallest payment is not the cheapest loan.

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 Dell 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 Dell is the same as anywhere in Arkansas.
What loan size can I expect in Dell?
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 Dell?
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 Dell 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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