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Personal loans in Kingsland, AR

Kingsland is a small community of about 336 residents, and a personal loan taken out here is governed by Arkansas statute. Kingsland is home to roughly 336 people and stands 311th by size out of 500 Census places in Arkansas. Read the disclosure for an origination fee and any prepayment penalty before signing in Kingsland. The 2020 count to the 2023 estimate shows about 2.6% decline in Kingsland. Every figure below is Arkansas's own, applied to Kingsland's 336 residents, with the publisher and retrieval date attached. The closest larger place is Fordyce, AR about 7 miles away.

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

Compare loan offers Run the numbers first

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.

Borrowing in Kingsland: the local picture

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

Where Kingsland sits

Kingsland covers about 1.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 336 residents, the land area yields roughly 299 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 60 miles. Within 50 miles of Kingsland there are 33 larger Census places. By land area it ranks 331st of 500 Arkansas places.

How a Kingsland personal loan is priced

With roughly 336 residents, Kingsland is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Kingsland loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Kingsland decides the split between a comfortable payment and the total interest you pay.

What Arkansas law requires in Kingsland

This table holds the Arkansas rate and licensing rules for consumer loans made to Kingsland's 336 residents.

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

Kingsland against the rest of Arkansas

Among Arkansas's 500 places, Kingsland sits at 311th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 353rd of 500 Arkansas places, putting it near the 29th percentile for growth. By density, at about 299 people per square mile, it ranks 303rd in Arkansas. The population moved by about 9 people between 2020 and 2023, a 2.6% shift.

What to do before borrowing in Kingsland

Before you hand your details to a lender in Kingsland, where the population is near 336:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Check the Arkansas regulator's records to confirm the lender is licensed here.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Make sure the new payment leaves room in a budget you already keep.

The process is identical across Arkansas; what changes is your credit file, not the fact that Kingsland holds 336 people.

Compare personal loan offers Run the numbers first

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