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.
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.
- Population: the Census counts 942 residents in Mammoth Spring (Vintage 2023 subcounty estimate), the 189th-largest figure among Arkansas's 500 places.
- Population trend: About 1.4% above the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a gain of about 13 residents.
- Size percentile: with 942 residents, Mammoth Spring is larger than about 62% of Arkansas's Census places.
- Density: the Census land area of 1.3 sq mi holds about 729 people per square mile.
- By land area: Mammoth Spring ranks 309th among Arkansas's 500 places, at 1.3 sq mi.
- Water area: Mammoth Spring has 0.05 square miles of water, ranking 101st of 500 places in Arkansas.
- State share: roughly 0.0% of Arkansas's residents live in Mammoth Spring (942 people).
- National rank: Mammoth Spring is the 10,489th most populous of the 19,457 Census places covered here.
- Growth rank: Mammoth Spring ranks 149th among Arkansas's 500 places for the 2020-to-2023 change.
- State comparison: Arkansas's places average +0.3% for 2020-to-2023, against Mammoth Spring's 1.4%.
- Density rank: Mammoth Spring places 113th among Arkansas's places by people per square mile.
- Density in context: Mammoth Spring's 729 people per square mile sit against a Arkansas median of 386.
- Location: 36.4924, -91.5411 (US Census Bureau Gazetteer).
- Nearest larger cities: Thayer (2 mi); Cherokee Village (14 mi); Highland (15 mi); Salem (18 mi); Ash Flat (18 mi). Living near a larger metro rarely changes what is available in Mammoth Spring.
- Smaller communities close by: Koshkonong (9 mi); Hardy (12 mi); Brandsville (14 mi), each with its own Census population profile.
- Within a 50-mile radius: 42 smaller Census places.
- Within 100 miles: 94 places are larger than Mammoth Spring.
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.
| 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 |
| 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 status | Not 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 |
Common questions
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Nearby places
- Thayer, MO — population 1,898
- Koshkonong, MO — population 198
- Hardy, AR — population 764
- Cherokee Village, AR — population 4,936
- Brandsville, MO — population 128
- Highland, AR — population 1,041
- Alton, MO — population 705
- Ash Flat, AR — population 1,175