Personal loans in Mammoth Spring, AR

From the 2020 Census base to the 2023 estimate, the population rose by about 1.4%. Roughly 942 residents live in Mammoth Spring, the 189th-largest community 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.

Mammoth Spring, Arkansas — home to about 942 people — is a small community, so the terms you are offered follow Arkansas law rather than any local rule. Begin with the payment, then weigh APR and total interest across the lenders that reach Mammoth Spring's 942 residents. Every figure below is Arkansas's own, applied to Mammoth Spring's 942 residents, with the publisher and retrieval date attached. The closest larger place is Thayer, MO about 2 miles away.

Mammoth Spring by the numbers

Only a few things actually differ by place — population, area, location, and the Arkansas rules a lender must follow — and they are below.

Mammoth Spring against the rest of Arkansas

Against Arkansas's other places, Mammoth Spring accounts for about 0.0% of the state's population and ranks 189th of 500 by size. For population change between 2020 and 2023, Mammoth Spring ranks 149th of 500 in Arkansas (about the 70th percentile). At about 729 people per square mile, Mammoth Spring is the 113th most densely settled place in Arkansas. By land area, its 1.3 square miles rank 309th of 500 places in Arkansas.

Lender access in Mammoth Spring

With about 729 residents per square mile, Mammoth Spring is moderately settled, and 18 larger Census places sit within 50 miles. Lenders licensed in Arkansas reach Mammoth Spring's 942 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Thayer, MO about 2 miles away.

Inside a Mammoth Spring personal loan

In Mammoth Spring, a small community of about 942, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Mammoth Spring's rank of 189th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Mammoth Spring decides the split between a comfortable payment and the total interest you pay.

Mammoth Spring: area, density and distance

The Census Gazetteer records 1.3 square miles of land and 0.05 square miles of water within Mammoth Spring. With 942 residents, the land area yields roughly 729 people per square mile. Little Rock, the largest place in Arkansas, is about 130 miles from Mammoth Spring. Counting outward 50 miles, 18 larger communities surround Mammoth Spring. Within the same 50 miles lie 42 smaller Census places.

What Arkansas law requires in Mammoth Spring

Read the table as a lender's compliance picture for Mammoth Spring: the rule, the sourced figure, the publisher and the 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
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
Payday lending statusNot permitted — all storefront payday lending eliminated; the Attorney General has worked to eliminate all forms of payday lending since 2008
Source says: "the Attorney General's office has worked to eliminate all forms of payday lending in Arkansas"; "all storefront payday loan operations in Arkansas have been shut down".
Arkansas Attorney General — Consumer Protection Division
as of 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.

Common questions

What are my options in Mammoth Spring 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 Mammoth Spring is the same as anywhere in Arkansas.
What loan size can I expect in Mammoth Spring?
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 Mammoth Spring?
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 Mammoth Spring 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.

Nearby places

Related