Personal loans in Hermitage, AR

A lender serving Hermitage holds a Arkansas licence and answers to a Arkansas regulator; no city office is involved for its 506 residents. Decide the purpose of the loan and your repayment plan before sharing any details with a Hermitage lender. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Hermitage's 506 residents. The nearest larger metro is Warren, AR about 13 miles away.

Where Hermitage stands

Two layers matter for a Hermitage borrower: the local population picture and Arkansas's consumer-lending statutes.

• Population: 506 people, a figure that places Hermitage 252nd among the 500 Census places in Arkansas (US Census Bureau, Vintage 2023).
• Population trend: Roughly 3.8% fewer residents than the 2020 Census counted.
• Absolute change: 20 residents lost between 2020 and 2023.
• Size percentile: about 50% of Arkansas communities are smaller than Hermitage (506 residents).
• Density: roughly 474 residents per square mile, spread over 1.1 sq mi of land.
• By land area: Hermitage ranks 339th among Arkansas's 500 places, at 1.1 sq mi.
• State share: roughly 0.0% of Arkansas's residents live in Hermitage (506 people).
• National rank: Hermitage sits 13,117th by population among the 19,457 places in this dataset.
• Growth rank: Hermitage ranks 412th among Arkansas's 500 places for the 2020-to-2023 change.
• Versus Arkansas: the state average change is +0.3%, while Hermitage moved 3.8%.
• Density rank: Hermitage places 203rd among Arkansas's places by people per square mile.
• Against the state median: Hermitage runs about 474 residents per square mile, where the Arkansas median is 386.
• Location: 33.4474 / -92.1715, per the US Census Bureau Gazetteer.
• Nearest larger cities: Warren (13 mi); Hampton (18 mi); Monticello (25 mi); Crossett (26 mi); Hamburg (27 mi). Living near a larger metro rarely changes what is available in Hermitage.
• Smaller places close by: Banks (10 mi); Harrell (14 mi); Tinsman (16 mi).
• Within a 50-mile radius: 26 smaller Census places.
• At 100 miles: 119 larger Census places fall inside that radius.

Before you apply in Hermitage

For Hermitage's roughly 506 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Arkansas licence with the regulator listed on this page.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Arkansas; what changes is your credit file, not the fact that Hermitage holds 506 people.

Which Arkansas laws govern a loan in Hermitage

This table holds the Arkansas rate and licensing rules for consumer loans made to Hermitage's 506 residents.

Lender access in Hermitage

At roughly 474 people per square mile, Hermitage is lightly settled; 20 larger places lie within 50 miles. Lenders licensed in Arkansas reach Hermitage's 506 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Warren, AR about 13 miles away.

What a Hermitage borrower is actually offered

Hermitage is a small community of about 506 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Hermitage lender to disclose the APR and finance charge before you sign. Shortening the term on a Hermitage loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Hermitage's place among Arkansas's 500 places

Set beside Arkansas's 500 places, Hermitage ranks 252nd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 412th of 500 Arkansas places, putting it near the 18th percentile for growth. By density, at about 474 people per square mile, it ranks 203rd in Arkansas. Within 50 miles sit 26 smaller Census places, alongside the 20 that are larger.