Personal loans in Dyess, AR

With roughly 322 residents, Dyess is a small community, and the lending rules its borrowers live under are written in Arkansas, not by the city.

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 Dyess's 322 residents. By population, Dyess sits at 315th in Arkansas, with an estimated 322 residents. A single loan can carry different costs on either side of a state line, and Dyess sits on the Arkansas side of that line. From the 2020 Census base to the 2023 estimate, the population declined by about 5.0%. The nearest larger city is Joiner, AR about 7 miles away.

Dyess: the sourced local profile

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

Where Dyess sits in Arkansas

Among Arkansas's 500 places, Dyess sits at 315th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Dyess stands 450th among Arkansas's 500 places — roughly the 10th percentile. By density, at about 335 people per square mile, it ranks 277th in Arkansas. Within 50 miles sit 30 smaller Census places, alongside the 70 that are larger.

What Arkansas law requires in Dyess

Arkansas has no separate rate rule for Dyess; the sourced rows below are what reach every lender that serves its 322 people.

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

Borrowing reach in Dyess

With about 335 residents per square mile, Dyess is lightly settled, and 70 larger Census places sit within 50 miles. A Arkansas licence lets a lender serve Dyess without a local office, so branch density does not change what its 322 residents are offered. The nearest larger city, Joiner, AR about 7 miles away.

The geography behind Dyess

Inside Dyess's boundaries lie about 1.0 square miles of land, with no significant water area recorded. With 322 residents, the land area yields roughly 335 people per square mile. Little Rock, the largest place in Arkansas, is about 135 miles from Dyess. A 50-mile radius around Dyess takes in 70 places that are larger. The 100-mile radius contains 233 larger places.

Steps to take before a Dyess loan

Complete these steps first when you borrow in Dyess (322 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Check the Arkansas regulator's records to confirm the lender is licensed here.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Weigh a shorter term's higher payment against the interest it saves.

In Dyess as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 322 residents.

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