Personal loans in Perryville, AR

With an estimated 1,401 residents, Perryville is the 164th-largest of 500 places in Arkansas. For a borrower among the roughly 1,401 residents of Perryville, a personal loan is a tool whose cost turns on the terms, not the address.

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.

Price two or three terms so you can see which payment is truly affordable in Perryville. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Perryville's 1,401 residents. Perryville gained roughly 2.2% in population across the 2020-to-2023 comparison. Borrowers who want a bigger city can look to Morrilton, AR about 11 miles away.

What the Census records for Perryville

Perryville is a small community; the notes below cover its population profile and the statewide rules that apply.

How lenders reach Perryville

At roughly 328 people per square mile, Perryville is lightly settled; 29 larger places lie within 50 miles. A Arkansas licence lets a lender serve Perryville without a local office, so branch density does not change what its 1,401 residents are offered. For a larger market, the closest option is Morrilton, AR about 11 miles away.

How a Perryville personal loan is priced

A Perryville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,401 residents. Because pricing is borrower-level, two people in Perryville can be quoted different APRs on the same amount and term. Shortening the term on a Perryville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Perryville sits

Perryville covers about 4.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 328 residents per square mile. The largest place in Arkansas, Little Rock, lies about 32 miles away. Perryville has 29 larger places within a 50-mile radius. By land area it ranks 143rd of 500 Arkansas places.

Arkansas rules behind a Perryville personal loan

Read the table as a lender's compliance picture for Perryville: the rule, the sourced figure, the publisher and the date.

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
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 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

Perryville against the rest of Arkansas

Against Arkansas's other places, Perryville accounts for about 0.1% of the state's population and ranks 164th of 500 by size. For population change between 2020 and 2023, Perryville ranks 123rd of 500 in Arkansas (about the 75th percentile). Its roughly 328 residents per square mile place it 280th among Arkansas's places. By land area, its 4.3 square miles rank 143rd of 500 places in Arkansas.

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