Personal loans in Fouke, AR

Census figures put the 2020-to-2023 decrease in Fouke at about 0.2%. Fouke is home to roughly 813 people and stands 200th by size out of 500 Census 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.

The roughly 813 people who live in Fouke borrow under Arkansas rules; city hall sets no personal-loan rate. Pull your credit reports and line up at least three offers before you apply from Fouke. A single loan can carry different costs on either side of a state line, and Fouke sits on the Arkansas side of that line. The closest larger place is Texarkana, AR about 13 miles away.

Local context for Fouke

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

Lender access in Fouke

With about 600 residents per square mile, Fouke is moderately settled, and 34 larger Census places sit within 50 miles. Whether Fouke has a local branch or not, a Arkansas-licensed lender can serve its 813 people online on the same terms. The nearest bigger place is Texarkana, AR about 13 miles away.

Which Arkansas laws govern a loan in Fouke

This table holds the Arkansas rate and licensing rules for consumer loans made to Fouke's 813 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

The Fouke borrowing checklist

These steps shape the offer you get in Fouke, a place of about 813 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's Arkansas licence with the regulator listed on this page.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Keep the amount to the expense; an approval is not a reason to take more.

What differs between Fouke and the rest of Arkansas is not the process but the borrower's own file, among the 813 people here.

Where Fouke sits in Arkansas

Among Arkansas's 500 places, Fouke sits at 200th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Fouke ranks 251st of 500 in Arkansas (about the 50th percentile). Its roughly 600 residents per square mile place it 154th among Arkansas's places. The population moved by about 2 people between 2020 and 2023, a 0.2% shift.

Where Fouke sits

Fouke covers about 1.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 600 residents per square mile. Little Rock, the largest place in Arkansas, is about 134 miles from Fouke. Fouke has 34 larger places within a 50-mile radius. The 100-mile radius contains 105 larger places.

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