Personal loans in Gurdon, AR

Compare APR, not the interest rate, because the APR folds in most fees on a Gurdon loan. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Gurdon's 1,836 residents. The 2020 count to the 2023 estimate shows about 0.6% decline in Gurdon. The closest larger place is Arkadelphia, AR about 15 miles away.

Where Gurdon stands

The figures below are Gurdon's own — Census population, land area and coordinates — followed by the Arkansas rules.

• Population: a Census-estimated 1,836, 143rd among Arkansas's 500 places (Vintage 2023).
• Population trend: A loss of roughly 0.6% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 12 residents.
• Size percentile: with 1,836 residents, Gurdon is larger than about 71% of Arkansas's Census places.
• Population density: 757 people per square mile on 2.4 square miles of land.
• Land area rank: Gurdon's 2.4 square miles rank 220th of 500 places in Arkansas.
• Water area: Gurdon has 0.07 square miles of water, ranking 74th of 500 places in Arkansas.
• Share of Arkansas: Gurdon holds about 0.1% of the state's population, some 1,836 people.
• National rank: Gurdon is 7,940th of 19,457 places nationwide.
• Growth rank: Gurdon's 2020-to-2023 change ranks 268th of 500 places in Arkansas.
• Against the state trend: Gurdon's 0.6% change compares with a Arkansas average of +0.3% across its 500 places.
• Density rank: Gurdon is the 104th most densely settled place in Arkansas.
• Density vs Arkansas: Gurdon's 757 people per square mile compare with a state median of 386.
• Location: coordinates 33.9160, -93.1539 (US Census Bureau Gazetteer).
• Nearest larger cities: Arkadelphia (15 mi); Prescott (16 mi); Camden (30 mi); Hope (30 mi); Glenwood (36 mi). Lenders licensed in the state serve Gurdon whether or not they keep a local branch.
• Smaller communities within reach: Whelen Springs (6 mi); Gum Springs (11 mi); Okolona (12 mi).
• Smaller places within 50 miles: 58 of them.
• Within 100 miles: 66 places are larger than Gurdon.

How personal loans work in Gurdon

In Gurdon, a small community of about 1,836, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Gurdon's 1,836 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Gurdon loan but raises total interest, so the smallest payment is not the cheapest loan.

Which Arkansas laws govern a loan in Gurdon

The rows below set out what a licensed lender must follow in Arkansas, and so for Gurdon's roughly 1,836 residents.

Before you apply in Gurdon

A sensible order of operations for a loan in Gurdon, home to about 1,836 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Arkansas regulator's licence list.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Gurdon-specific: the same Arkansas licensing and disclosure rules reach all 1,836 residents.

Borrowing reach in Gurdon

Gurdon is moderately settled, with about 757 people per square mile and 11 larger places within 50 miles. A Arkansas licence lets a lender serve Gurdon without a local office, so branch density does not change what its 1,836 residents are offered. The nearest larger city, Arkadelphia, AR about 15 miles away.

Gurdon: area, density and distance

Gurdon's land area is about 2.4 square miles; a further 0.07 square miles is water. That land carries about 757 people per square mile. The largest place in Arkansas, Little Rock, lies about 72 miles away. Within 50 miles of Gurdon there are 11 larger Census places. The 100-mile radius contains 66 larger places.