Personal loans in Ogden, AR
Two households in Ogden with comparable incomes can still be offered different rates; the city's 126 residents are not the reason. The Census estimates 126 residents in Ogden, which ranks it 425th of 500 places in Arkansas.
Census figures put the 2020-to-2023 decrease in Ogden at about 2.3%. Which products a lender may offer to Ogden's 126 residents follows from the Arkansas consumer-lending framework. For a community of about 126, the practical step is to compare APR across at least three lenders before committing. The closest larger place is Ashdown, AR about 8 miles away.
What the Census records for Ogden
Read the local figures below as context; read the sourced Arkansas table as the rulebook a lender here must follow.
- Population: 126 people, a figure that places Ogden 425th among the 500 Census places in Arkansas (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 2.3% from 2020 to 2023.
- Net change: roughly 3 fewer people than the 2020 Census counted.
- Size percentile: Ogden sits ahead of around 15% of Arkansas places, at 126 people.
- Land and density: 0.4 square miles of land carry roughly 328 residents per square mile.
- By land area: Ogden ranks 443rd among Arkansas's 500 places, at 0.4 sq mi.
- Share of state population: Ogden's 126 residents are about 0.0% of Arkansas.
- National rank: Ogden is the 17,672nd most populous of the 19,457 Census places covered here.
- Growth rank: Ogden's 2020-to-2023 change ranks 341st of 500 places in Arkansas.
- Versus Arkansas: the state average change is +0.3%, while Ogden moved 2.3%.
- Density in Arkansas: Ogden ranks 282nd by people per square mile.
- Density vs Arkansas: Ogden's 328 people per square mile compare with a state median of 386.
- Location: 33.5859, -94.0469 (Census Gazetteer coordinates).
- Nearest larger cities: Ashdown (8 mi); Red Lick (10 mi); Texarkana (10 mi); Nash (11 mi); Texarkana (11 mi). A branch is convenient; it is not what sets your APR.
- Smaller places close by: McNab (13 mi); Fulton (14 mi); Domino (23 mi).
- Smaller places within 50 miles: 15 of them.
- At 100 miles: 193 larger Census places fall inside that radius.
Arkansas consumer-lending rules applied in Ogden
Below are the Arkansas rules that apply to a loan made in Ogden, each with the regulator that issued it.
| 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 |
| Small-loan / installment lender licensing | See 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 |
Borrowing reach in Ogden
Ogden is lightly settled, with about 328 people per square mile and 56 larger places within 50 miles. Lenders licensed in Arkansas reach Ogden's 126 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Ashdown, AR about 8 miles away.
What to do before borrowing in Ogden
Complete these steps first when you borrow in Ogden (126 residents):
- Start with the credit file: order the reports, fix the errors, then apply.
- Model the payment on the calculator before a lender models it for you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the lender holds a Arkansas licence by checking the regulator named above.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
The process is identical across Arkansas; what changes is your credit file, not the fact that Ogden holds 126 people.
Ogden against the rest of Arkansas
Set beside Arkansas's 500 places, Ogden ranks 425th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 341st of 500 Arkansas places, putting it near the 32th percentile for growth. At about 328 people per square mile, Ogden is the 282nd most densely settled place in Arkansas. Between 2020 and 2023 the count changed by roughly 3 residents.
Ogden on the map
The Census Gazetteer records about 0.4 square miles of land within Ogden, with no significant water area listed. With 126 residents, the land area yields roughly 328 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 125 miles. Ogden has 56 larger places within a 50-mile radius. Within the same 50 miles lie 15 smaller Census places.
Common questions
What are my options in Ogden if my credit is poor?
What loan size can I expect in Ogden?
Do I have to pledge anything to borrow in Ogden?
Does comparing loans in Ogden cost me credit score points?
Nearby places
- Ashdown, AR — population 4,162
- Texarkana, TX — population 35,741
- Red Lick, TX — population 929
- Texarkana, AR — population 29,223
- Nash, TX — population 4,230
- Wake Village, TX — population 5,808
- Wilton, AR — population 287
- Leary, TX — population 448