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.

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

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.

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.

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.

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
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 statusNot 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

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 Havana 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 Havana is the same as anywhere in Arkansas.
What loan size can I expect in Havana?
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 Havana?
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 Havana 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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