Personal loans in Mineral Springs, AR

The Census estimates 1,060 residents in Mineral Springs, which ranks it 179th of 500 places in Arkansas. Population in Mineral Springs dropped about 2.3% over the three years from 2020 to 2023.

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.

With roughly 1,060 residents, Mineral Springs is a small community, and the lending rules its borrowers live under are written in Arkansas, not by the city. A lender that serves Mineral Springs operates under Arkansas lending statutes and a Arkansas supervisor. Pull your credit reports and line up at least three offers before you apply from Mineral Springs. The nearest larger city is Nashville, AR about 6 miles away.

Mineral Springs: population, trend and location

Read the local figures below as context; read the sourced Arkansas table as the rulebook a lender here must follow.

Mineral Springs's place among Arkansas's 500 places

Within Arkansas, Mineral Springs holds roughly 0.1% of all residents, the 179th-largest share among 500 places. Its 2020-to-2023 change ranks 340th of 500 Arkansas places, putting it near the 32th percentile for growth. By density, at about 497 people per square mile, it ranks 189th in Arkansas. Within 50 miles sit 50 smaller Census places, alongside the 17 that are larger.

How personal loans work in Mineral Springs

With roughly 1,060 residents, Mineral Springs is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Mineral Springs's rank of 179th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Mineral Springs loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Mineral Springs

Mineral Springs is lightly settled, with about 497 people per square mile and 17 larger places within 50 miles. Lenders licensed in Arkansas reach Mineral Springs's 1,060 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Nashville, AR about 6 miles away.

How Arkansas law applies in Mineral Springs

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

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

The geography behind Mineral Springs

Inside Mineral Springs's boundaries lie about 2.1 square miles of land, with no significant water area recorded. The resulting density is about 497 people per square mile. The largest place in Arkansas, Little Rock, lies about 107 miles away. Counting outward 50 miles, 17 larger communities surround Mineral Springs. Within the same 50 miles lie 50 smaller Census places.

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

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