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Personal loans in Oak Grove Heights, AR

Every figure below is Arkansas's own, applied to Oak Grove Heights's 1,149 residents, with the publisher and retrieval date attached. With 1,149 residents, Oak Grove Heights outranks about 65% of the communities in Arkansas. A lender serving Oak Grove Heights holds a Arkansas licence and answers to a Arkansas regulator; no city office is involved for its 1,149 residents. A 2020-to-2023 comparison shows Oak Grove Heights up by about 4.6%. Use the calculator on this page to price an amount and term before you commit in Oak Grove Heights. The closest larger place is Paragould, AR about 5 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.

Oak Grove Heights: population, trend and location

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

Getting a loan in Oak Grove Heights

Oak Grove Heights is lightly settled, with about 384 people per square mile and 35 larger places within 50 miles. Whether Oak Grove Heights has a local branch or not, a Arkansas-licensed lender can serve its 1,149 people online on the same terms. For a larger market, the closest option is Paragould, AR about 5 miles away.

What Arkansas law requires in Oak Grove Heights

Every row below records a Arkansas rule, its publisher and its retrieval date — the same rules a Oak Grove Heights lender must follow.

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
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
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

A pre-application checklist for Oak Grove Heights

Before you hand your details to a lender in Oak Grove Heights, where the population is near 1,149:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Arkansas licence with the regulator listed on this page.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Write down the purpose of the loan and your repayment plan before you apply.

What differs between Oak Grove Heights and the rest of Arkansas is not the process but the borrower's own file, among the 1,149 people here.

Oak Grove Heights in state context

Within Arkansas, Oak Grove Heights holds roughly 0.1% of all residents, the 175th-largest share among 500 places. On the 2020-to-2023 trend, Oak Grove Heights stands 52nd among Arkansas's 500 places — roughly the 90th percentile. By density, at about 384 people per square mile, it ranks 251st in Arkansas. Between 2020 and 2023 the count changed by roughly 51 residents.

The geography behind Oak Grove Heights

Oak Grove Heights covers about 3.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 384 residents per square mile. The largest place in Arkansas, Little Rock, lies about 142 miles away. Oak Grove Heights has 35 larger places within a 50-mile radius. By land area it ranks 191st of 500 Arkansas 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 Oak Grove Heights 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 Oak Grove Heights is the same as anywhere in Arkansas.
What loan size can I expect in Oak Grove Heights?
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 Oak Grove Heights?
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 Oak Grove Heights 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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