Personal loans in Gilbert, AR
Census figures show Gilbert holding steady across 2020 to 2023. The Census counts 25 people in Gilbert, the 499th-largest figure among Arkansas's 500 places.
If you are weighing a personal loan in Gilbert, start from the payment you can carry; its 25 residents face the same statewide rules. Verify the lender's Arkansas licence against the regulator named below before borrowing in Gilbert. Which products a lender may offer to Gilbert's 25 residents follows from the Arkansas consumer-lending framework. The closest larger city is St. Joe, AR about 5 miles away.
Borrowing in Gilbert: the local picture
What follows is Gilbert's place in the Census record, alongside the Arkansas rules that govern a personal loan made here.
- Population: an estimated 25 residents, 499th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly level with the 2020 Census base.
- Size percentile: roughly 0% of Arkansas's places have fewer residents than Gilbert's 25.
- Density: the Census land area of 0.4 sq mi holds about 68 people per square mile.
- By land area: Gilbert ranks 450th among Arkansas's 500 places, at 0.4 sq mi.
- Water area: Gilbert has 0.02 square miles of water, ranking 157th of 500 places in Arkansas.
- Within Arkansas: about 0.0% of the state's population lives in Gilbert.
- National rank: Gilbert sits 19,284th by population among the 19,457 places in this dataset.
- Growth in Arkansas: Gilbert stands 238th by percentage change from 2020 to 2023, among 500 places.
- Versus Arkansas: the state average change is +0.3%, while Gilbert moved 0.0%.
- Density rank: Gilbert places 479th among Arkansas's places by people per square mile.
- Density in context: Gilbert's 68 people per square mile sit against a Arkansas median of 386.
- Location: 35.9910, -92.7162 (Census Gazetteer coordinates).
- Nearest larger cities: St. Joe (5 mi); Marshall (7 mi); Pindall (10 mi); Leslie (14 mi); Western Grove (15 mi). Living near a larger metro rarely changes what is available in Gilbert.
- Smaller places nearby: Evergreen (108 mi).
- Smaller places within 50 miles: 0 of them.
- Within 100 miles: 313 places are larger than Gilbert.
Gilbert in state context
Within Arkansas, Gilbert holds roughly 0.0% of all residents, the 499th-largest share among 500 places. On the 2020-to-2023 trend, Gilbert stands 238th among Arkansas's 500 places — roughly the 52th percentile. At about 68 people per square mile, Gilbert is the 479th most densely settled place in Arkansas. Between 2020 and 2023 the count changed by roughly 0 residents.
How lenders reach Gilbert
At roughly 68 people per square mile, Gilbert is sparsely settled; 51 larger places lie within 50 miles. Distance to a branch rarely matters for Gilbert's 25 residents: the application is online and the price follows your credit file. The nearest bigger place is St. Joe, AR about 5 miles away.
What Arkansas law requires in Gilbert
The rows below set out what a licensed lender must follow in Arkansas, and so for Gilbert's roughly 25 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Arkansas 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 licensing | See 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 |
The geography behind Gilbert
Gilbert's land area is about 0.4 square miles; a further 0.02 square miles is water. That land carries about 68 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 90 miles. Gilbert has 51 larger places within a 50-mile radius. Within the same 50 miles lie 0 smaller Census places.
What a Gilbert borrower is actually offered
Most loans made to Gilbert's 25 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 Gilbert. A longer term lowers the monthly payment on a Gilbert loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
What are my options in Gilbert if my credit is poor?
What loan size can I expect in Gilbert?
Do I have to pledge anything to borrow in Gilbert?
Does comparing loans in Gilbert cost me credit score points?
Nearby places
- St. Joe, AR — population 129
- Marshall, AR — population 1,315
- Pindall, AR — population 101
- Leslie, AR — population 374
- Yellville, AR — population 1,164
- Everton, AR — population 104
- Western Grove, AR — population 349
- Summit, AR — population 535