Personal loans in Horatio, AR

Population in Horatio dropped about 2.2% over the three years from 2020 to 2023. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Horatio's 897 residents. Use the calculator on this page to price an amount and term before you commit in Horatio. The closest larger place is De Queen, AR about 7 miles away.

Local context for Horatio

What follows is Horatio's place in the Census record, alongside the Arkansas rules that govern a personal loan made here.

• Population: 897 residents; Horatio is the 192nd-largest of 500 places in Arkansas (US Census Bureau, Vintage 2023).
• Population trend: About 2.2% below the 2020 Census base.
• Absolute change: 20 residents lost between 2020 and 2023.
• Size percentile: roughly 62% of Arkansas places rank below Horatio.
• Density: roughly 503 residents per square mile, spread over 1.8 sq mi of land.
• Land area: Horatio covers 1.8 square miles, the 270th-largest area among Arkansas's 500 places.
• Water area: Horatio has 0.01 square miles of water, ranking 168th of 500 places in Arkansas.
• State share: roughly 0.0% of Arkansas's residents live in Horatio (897 people).
• National rank: Horatio sits 10,704th by population among the 19,457 places in this dataset.
• Growth rank: Horatio's 2020-to-2023 change ranks 334th of 500 places in Arkansas.
• Versus Arkansas: the state average change is +0.3%, while Horatio moved 2.2%.
• Density in Arkansas: Horatio ranks 188th by people per square mile.
• Density in context: Horatio's 503 people per square mile sit against a Arkansas median of 386.
• Location: 33.9427, -94.3562 (US Census Bureau Gazetteer).
• Nearest larger cities: De Queen (7 mi); Foreman (16 mi); Ashdown (23 mi); Broken Bow (23 mi); Mineral Springs (25 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Winthrop (8 mi); Lockesburg (10 mi); Ben Lomond (15 mi).
• Smaller neighbours: 33 places smaller than Horatio sit within 50 miles.
• Larger places within 100 miles: 84.

A pre-application checklist for Horatio

A sensible order of operations for a loan in Horatio, home to about 897 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Look the lender up in the Arkansas regulator's licence records before you sign.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Horatio-specific: the same Arkansas licensing and disclosure rules reach all 897 residents.

Arkansas consumer-lending rules applied in Horatio

This table holds the Arkansas rate and licensing rules for consumer loans made to Horatio's 897 residents.

How Horatio compares across Arkansas

Set beside Arkansas's 500 places, Horatio ranks 192nd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Horatio stands 334th among Arkansas's 500 places — roughly the 33th percentile. By density, at about 503 people per square mile, it ranks 188th in Arkansas. By land area, its 1.8 square miles rank 270th of 500 places in Arkansas.

What shapes a Horatio personal loan

With roughly 897 residents, Horatio is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Horatio's 897 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Horatio decides the split between a comfortable payment and the total interest you pay.

Getting a loan in Horatio

Horatio is moderately settled, with about 503 people per square mile and 20 larger places within 50 miles. Distance to a branch rarely matters for Horatio's 897 residents: the application is online and the price follows your credit file. For a larger market, the closest option is De Queen, AR about 7 miles away.