Personal loans in Fredonia (Biscoe), AR

Fredonia (Biscoe) is a small community in Arkansas, with an estimated 297 residents, and every licensed lender here follows the same state rulebook.

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

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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 Census counts 297 people in Fredonia (Biscoe), the 324th-largest figure among Arkansas's 500 places. The nearest larger city is De Valls Bluff, AR about 4 miles away. Population in Fredonia (Biscoe) dropped about 2.6% over the three years from 2020 to 2023. State law, not city hall, decides what a lender may do to Fredonia (Biscoe)'s roughly 297 residents, and a state regulator supervises it. If debt is already a strain, a nonprofit credit counsellor can help Fredonia (Biscoe) residents before they take on more.

Fredonia (Biscoe): population, trend and location

Most of what governs a Fredonia (Biscoe) loan is written in Arkansas law rather than in the city; the sourced notes below make that split concrete.

Fredonia (Biscoe) in state context

Set beside Arkansas's 500 places, Fredonia (Biscoe) ranks 324th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Fredonia (Biscoe) stands 356th among Arkansas's 500 places — roughly the 29th percentile. By density, at about 311 people per square mile, it ranks 296th in Arkansas. In land area, Fredonia (Biscoe) ranks 368th among Arkansas's 500 places.

Land, water and location for Fredonia (Biscoe)

The Census Gazetteer records about 1.0 square miles of land within Fredonia (Biscoe), with no significant water area listed. With 297 residents, the land area yields roughly 311 people per square mile. Little Rock, the largest place in Arkansas, is about 54 miles from Fredonia (Biscoe). Fredonia (Biscoe) has 43 larger places within a 50-mile radius. Within the same 50 miles lie 34 smaller Census places.

What is available to Fredonia (Biscoe) borrowers

At roughly 311 people per square mile, Fredonia (Biscoe) is lightly settled; 43 larger places lie within 50 miles. A Arkansas licence lets a lender serve Fredonia (Biscoe) without a local office, so branch density does not change what its 297 residents are offered. The nearest larger city, De Valls Bluff, AR about 4 miles away.

The Arkansas lending rules that reach Fredonia (Biscoe)

For the roughly 297 residents of Fredonia (Biscoe), the rules below are Arkansas's own; each row carries its publisher and retrieval date.

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
Small-loan / installment lender licensingSee the latest published figure
value_text left null: the State Bank Department does not publish a consumer small-loan license rate schedule that could be verified; storefront payday lending has been eliminated (see Payday lending status). See the linked regulator page for the licensee categories it supervises.		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

How personal loans work in Fredonia (Biscoe)

With roughly 297 residents, Fredonia (Biscoe) is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Fredonia (Biscoe)'s rank of 324th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Fredonia (Biscoe) loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Compare personal loan offers Run the numbers first

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 Fredonia (Biscoe) 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 Fredonia (Biscoe) is the same as anywhere in Arkansas.
What loan size can I expect in Fredonia (Biscoe)?
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 Fredonia (Biscoe)?
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 Fredonia (Biscoe) 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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