Personal loans in Havana, AR
A lender serving Havana holds a Arkansas licence and answers to a Arkansas regulator; no city office is involved for its 237 residents. The Census estimates 237 residents in Havana, which ranks it 354th of 500 places in Arkansas.
Price two or three terms so you can see which payment is truly affordable in Havana. Havana lost roughly 0.4% of its population across the 2020-to-2023 comparison. Which products a lender may offer to Havana's 237 residents follows from the Arkansas consumer-lending framework. The nearest larger metro is Belleville, AR about 5 miles away.
Havana by the numbers
Most of what governs a Havana loan is written in Arkansas law rather than in the city; the sourced notes below make that split concrete.
- Population: 237 — Havana ranks 354th of 500 communities in Arkansas (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 0.4%.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: roughly 29% of Arkansas's places have fewer residents than Havana's 237.
- Land and density: 0.6 square miles of land carry roughly 394 residents per square mile.
- Land area: Havana covers 0.6 square miles, the 402nd-largest area among Arkansas's 500 places.
- State population share: Havana accounts for about 0.0% of everyone in Arkansas.
- National standing: Havana ranks 15,941st of 19,457 US places.
- Growth rank: Havana's 2020-to-2023 change ranks 259th of 500 places in Arkansas.
- Versus Arkansas: the state average change is +0.3%, while Havana moved 0.4%.
- Density rank: Havana places 243rd among Arkansas's places by people per square mile.
- Density vs Arkansas: Havana's 394 people per square mile compare with a state median of 386.
- Location: mapped by the US Census Bureau at 35.1098, -93.5260.
- Nearest larger cities: Belleville (5 mi); Danville (9 mi); Subiaco (14 mi); Plainview (15 mi); Magazine (16 mi). Online lenders reach Havana no matter how far the nearest branch is.
- Smaller places nearby: Corinth (7 mi); Blue Mountain (11 mi); Morrison Bluff (19 mi).
- Smaller places within 50 miles: 14 of them.
- Within 100 miles: 213 places are larger than Havana.
Havana: area, density and distance
Havana covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 394 residents per square mile. For the state's biggest city, Little Rock, the distance is roughly 71 miles. A 50-mile radius around Havana takes in 45 places that are larger. Within the same 50 miles lie 14 smaller Census places.
Havana's place among Arkansas's 500 places
Against Arkansas's other places, Havana accounts for about 0.0% of the state's population and ranks 354th of 500 by size. Its 2020-to-2023 change ranks 259th of 500 Arkansas places, putting it near the 48th percentile for growth. Its roughly 394 residents per square mile place it 243rd among Arkansas's places. In land area, Havana ranks 402nd among Arkansas's 500 places.
Lender access in Havana
At roughly 394 people per square mile, Havana is lightly settled; 45 larger places lie within 50 miles. Lenders licensed in Arkansas reach Havana's 237 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Belleville, AR about 5 miles away.
How personal loans work in Havana
Havana is a small community of about 237 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Havana's 237 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Havana loan is knowable in advance — unlike a revolving card balance.
How Arkansas law applies in Havana
For the roughly 237 residents of Havana, the rules below are Arkansas's own; each row carries its publisher and retrieval date.
| 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 |
| 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 status | Not 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 |
Common questions
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Does comparing loans in Havana cost me credit score points?
Nearby places
- Belleville, AR — population 308
- Corinth, AR — population 45
- Danville, AR — population 1,997
- Blue Mountain, AR — population 90
- Subiaco, AR — population 408
- Scranton, AR — population 249
- Plainview, AR — population 460
- Morrison Bluff, AR — population 78