Personal loans in Palestine, AR

Palestine ranks 264th of 500 places in Arkansas, with a population near 480. Palestine lost roughly 5.1% of its population across the 2020-to-2023 comparison.

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.

With roughly 480 residents, Palestine is a small community, and the lending rules its borrowers live under are written in Arkansas, not by the city. Lenders active in Palestine report to a Arkansas supervisor, identified in the sourced rows below. Price two or three terms so you can see which payment is truly affordable in Palestine. The next larger city is Forrest City, AR about 7 miles away.

The Palestine data picture

Here is the sourced Census picture for Palestine, plus the Arkansas lending rules that apply to a loan taken out here.

The state rulebook for Palestine

Arkansas has no separate rate rule for Palestine; the sourced rows below are what reach every lender that serves its 480 people.

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

Inside a Palestine personal loan

In Palestine, a small community of about 480, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Palestine loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Palestine loan but raises total interest, so the smallest payment is not the cheapest loan.

Palestine against the rest of Arkansas

Within Arkansas, Palestine holds roughly 0.0% of all residents, the 264th-largest share among 500 places. On the 2020-to-2023 trend, Palestine stands 453rd among Arkansas's 500 places — roughly the 9th percentile. At about 141 people per square mile, Palestine is the 418th most densely settled place in Arkansas. In land area, Palestine ranks 169th among Arkansas's 500 places.

Where Palestine sits

Inside Palestine's boundaries lie roughly 3.4 square miles of land and 0.02 square miles of water. The resulting density is about 141 people per square mile. The largest place in Arkansas, Little Rock, lies about 84 miles away. Within 50 miles of Palestine there are 37 larger Census places. The 100-mile radius contains 179 larger places.

Borrowing reach in Palestine

Palestine is a lightly settled community of about 480 people, with 37 larger places inside a 50-mile radius. What is available to Palestine's 480 borrowers is set by Arkansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Forrest City, AR about 7 miles away.

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