Personal loans in Jericho, AR

Personal loans in Jericho are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 99 population. At about 99 residents, Jericho is larger than roughly 10% of the 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.

Census figures put the 2020-to-2023 decrease in Jericho at about 1.0%. Judge Jericho offers on total cost, not on how quickly the money arrives. A larger market lies at Clarkedale, AR about 1 miles away. When Arkansas caps or restricts a product, lenders either change the terms or withdraw it from Jericho as from the rest of the state.

Borrowing in Jericho: the local picture

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

Getting a loan in Jericho

Jericho is a lightly settled community of about 99 people, with 87 larger places inside a 50-mile radius. Lenders licensed in Arkansas reach Jericho's 99 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Clarkedale, AR about 1 miles away.

The state rulebook for Jericho

For the roughly 99 residents of Jericho, 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
Small-loan / installment lender licensingSee the latest published figure
value_text left null: the State Bank Department does not publish a consumer small-loan license rate schedule that could be verified; storefront payday lending has been eliminated (see Payday lending status). See the linked regulator page for the licensee categories it supervises.
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

A pre-application checklist for Jericho

Before you hand your details to a lender in Jericho, where the population is near 99:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  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. Test the payment against your current bills before you commit.
  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 Jericho holds 99 people.

Jericho on the map

The Census Gazetteer records about 0.3 square miles of land within Jericho, with no significant water area listed. The resulting density is about 322 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 127 miles. Jericho has 87 larger places within a 50-mile radius. Within the same 50 miles lie 3 smaller Census places.

Jericho's place among Arkansas's 500 places

Against Arkansas's other places, Jericho accounts for about 0.0% of the state's population and ranks 450th of 500 by size. On the 2020-to-2023 trend, Jericho stands 288th among Arkansas's 500 places — roughly the 42th percentile. Its roughly 322 residents per square mile place it 291st among Arkansas's places. In land area, Jericho ranks 463rd among Arkansas's 500 places.

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