Personal loans in Grady, AR
Two households in Grady with comparable incomes can still be offered different rates; the city's 293 residents are not the reason. Population in Grady dropped about 4.2% over the three years from 2020 to 2023.
The Census estimates 293 residents in Grady, which ranks it 329th of 500 places in Arkansas. If debt is already a strain, a nonprofit credit counsellor can help Grady residents before they take on more. Every figure below is Arkansas's own, applied to Grady's 293 residents, with the publisher and retrieval date attached. The next larger city is Gould, AR about 10 miles away.
The Grady data picture
Most of what governs a Grady loan is written in Arkansas law rather than in the city; the sourced notes below make that split concrete.
- Population: a Census-estimated 293, 329th among Arkansas's 500 places (Vintage 2023).
- Population trend: Down about 4.2% from the 2020 Census base to the 2023 estimate.
- Absolute change: 13 residents lost between 2020 and 2023.
- Size percentile: roughly 34% of Arkansas places rank below Grady.
- Population density: about 99 people per square mile (Census land area 3.0 sq mi).
- By land area: Grady ranks 195th among Arkansas's 500 places, at 3.0 sq mi.
- Share of state population: Grady's 293 residents are about 0.0% of Arkansas.
- National rank: Grady is the 15,200th most populous of the 19,457 Census places covered here.
- Growth in Arkansas: Grady stands 425th by percentage change from 2020 to 2023, among 500 places.
- State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Grady's 4.2%.
- Density rank: Grady is the 453rd most densely settled place in Arkansas.
- Density vs Arkansas: Grady's 99 people per square mile compare with a state median of 386.
- Location: mapped by the US Census Bureau at 34.0725, -91.6976.
- Nearest larger cities: Gould (10 mi); Star City (12 mi); Dumas (18 mi); Gillett (19 mi); Altheimer (20 mi). Larger metros often have more branches, but online lenders reach Grady on the same terms.
- Nearest smaller towns: Mitchellville (16 mi); Wabbaseka (21 mi); Winchester (24 mi).
- Within a 50-mile radius: 20 smaller Census places.
- Larger places within 100 miles: 172.
How Arkansas law applies in Grady
Arkansas has no separate rate rule for Grady; the sourced rows below are what reach every lender that serves its 293 people.
| 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 |
What shapes a Grady personal loan
With roughly 293 residents, Grady is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Grady loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Grady decides the split between a comfortable payment and the total interest you pay.
What is available to Grady borrowers
Grady is sparsely settled, with about 99 people per square mile and 29 larger places within 50 miles. Lenders licensed in Arkansas reach Grady's 293 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Gould, AR about 10 miles away.
Grady in state context
Among Arkansas's 500 places, Grady sits at 329th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 425th of 500 Arkansas places, putting it near the 15th percentile for growth. Its roughly 99 residents per square mile place it 453rd among Arkansas's places. Between 2020 and 2023 the count changed by roughly 13 residents.
Grady: area, density and distance
Inside Grady's boundaries lie about 3.0 square miles of land, with no significant water area recorded. Spread across it are roughly 99 residents per square mile. The largest place in Arkansas, Little Rock, lies about 59 miles away. Counting outward 50 miles, 29 larger communities surround Grady. Within the same 50 miles lie 20 smaller Census places.
Common questions
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Nearby places
- Gould, AR — population 632
- Star City, AR — population 2,092
- Mitchellville, AR — population 272
- Dumas, AR — population 3,662
- Altheimer, AR — population 657
- Wabbaseka, AR — population 174
- Gillett, AR — population 599
- Pine Bluff, AR — population 39,123