Personal loans in Lockesburg, AR

The Census estimates 594 residents in Lockesburg, which ranks it 241st of 500 places in Arkansas. State law, not city hall, decides what a lender may do to Lockesburg's roughly 594 residents, and a state regulator supervises it. A 2020-to-2023 comparison shows Lockesburg down by about 0.5%. The nearest larger metro is Horatio, AR about 10 miles away.

Lockesburg by the numbers

Most of what governs a Lockesburg loan is written in Arkansas law rather than in the city; the sourced notes below make that split concrete.

• Population: 594 people, a figure that places Lockesburg 241st among the 500 Census places in Arkansas (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 0.5% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
• Size percentile: with 594 residents, Lockesburg is larger than about 52% of Arkansas's Census places.
• Density: the Census land area of 3.5 sq mi holds about 170 people per square mile.
• By land area: Lockesburg ranks 164th among Arkansas's 500 places, at 3.5 sq mi.
• Share of Arkansas: Lockesburg holds about 0.0% of the state's population, some 594 people.
• National rank: Lockesburg is the 12,471st most populous of the 19,457 Census places covered here.
• Growth in Arkansas: Lockesburg stands 262nd by percentage change from 2020 to 2023, among 500 places.
• State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Lockesburg's 0.5%.
• Density rank: Lockesburg is the 400th most densely settled place in Arkansas.
• Density in context: Lockesburg's 170 people per square mile sit against a Arkansas median of 386.
• Location: 33.9729, -94.1796 (US Census Bureau Gazetteer).
• Nearest larger cities: Horatio (10 mi); De Queen (10 mi); Dierks (14 mi); Mineral Springs (16 mi); Nashville (19 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Ben Lomond (10 mi); Winthrop (14 mi); Gillham (16 mi).
• Smaller places within 50 miles: 33 of them.
• At 100 miles: 110 larger Census places fall inside that radius.

Land, water and location for Lockesburg

The Census Gazetteer records about 3.5 square miles of land within Lockesburg, with no significant water area listed. The resulting density is about 170 people per square mile. The largest place in Arkansas, Little Rock, lies about 116 miles away. A 50-mile radius around Lockesburg takes in 27 places that are larger. The 100-mile radius contains 110 larger places.

Which Arkansas laws govern a loan in Lockesburg

Below are the Arkansas rules that apply to a loan made in Lockesburg, each with the regulator that issued it.

The Lockesburg borrowing checklist

A sensible order of operations for a loan in Lockesburg, home to about 594 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Arkansas regulator's licence records before you sign.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Lockesburg-specific: the same Arkansas licensing and disclosure rules reach all 594 residents.

Inside a Lockesburg personal loan

Lockesburg is a small community of about 594 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Lockesburg can be quoted different APRs on the same amount and term. Shortening the term on a Lockesburg loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Lockesburg's place among Arkansas's 500 places

Set beside Arkansas's 500 places, Lockesburg ranks 241st by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 262nd of 500 Arkansas places, putting it near the 48th percentile for growth. At about 170 people per square mile, Lockesburg is the 400th most densely settled place in Arkansas. In land area, Lockesburg ranks 164th among Arkansas's 500 places.