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.
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.
- Population: the Census counts 99 residents in Jericho (Vintage 2023 subcounty estimate), the 450th-largest figure among Arkansas's 500 places.
- Population trend: A decline of about 1.0% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
- Size percentile: Jericho's 99 people outrank roughly 10% of the places in Arkansas.
- Population density: 322 people per square mile on 0.3 square miles of land.
- Land area: Jericho covers 0.3 square miles, the 463rd-largest area among Arkansas's 500 places.
- Within Arkansas: about 0.0% of the state's population lives in Jericho.
- National rank: Jericho is the 18,141st most populous of the 19,457 Census places covered here.
- Growth in Arkansas: Jericho stands 288th by percentage change from 2020 to 2023, among 500 places.
- Versus Arkansas: the state average change is +0.3%, while Jericho moved 1.0%.
- Density rank: Jericho places 291st among Arkansas's places by people per square mile.
- Against the state median: Jericho runs about 322 residents per square mile, where the Arkansas median is 386.
- Location: it lies at 35.2877, -90.2305 in the Census Gazetteer.
- Nearest larger cities: Clarkedale (1 mi); Sunset (5 mi); Marion (6 mi); Turrell (6 mi); Crawfordsville (7 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Birdsong (12 mi); Victoria (34 mi); Waldenburg (44 mi).
- Within a 50-mile radius: 3 smaller Census places.
- At 100 miles: 313 larger Census places fall inside that radius.
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.
| 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 |
| Small-loan / installment lender licensing | See 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:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- Verify the lender's Arkansas licence with the regulator listed on this page.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
- 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.
Common questions
What are my options in Jericho if my credit is poor?
What loan size can I expect in Jericho?
Do I have to pledge anything to borrow in Jericho?
Does comparing loans in Jericho cost me credit score points?
Nearby places
- Clarkedale, AR — population 328
- Sunset, AR — population 169
- Marion, AR — population 13,654
- Turrell, AR — population 500
- Crawfordsville, AR — population 450
- West Memphis, AR — population 23,825
- Gilmore, AR — population 173
- Birdsong, AR — population 29