Personal loans in Pine Bluff, AR

Verify the lender's Arkansas licence against the regulator named below before borrowing in Pine Bluff. State law, not city hall, decides what a lender may do to Pine Bluff's roughly 39,123 residents, and a state regulator supervises it. From the 2020 Census base to the 2023 estimate, the population declined by about 5.2%. The nearest larger metro is Little Rock, AR about 40 miles away.

What the Census records for Pine Bluff

The figures below are Pine Bluff's own — Census population, land area and coordinates — followed by the Arkansas rules.

• Population: a Census-estimated 39,123, 10th among Arkansas's 500 places (Vintage 2023).
• Population trend: A decline of about 5.2% across the 2020-to-2023 comparison.
• People gained or lost: about 2,138 fewer since the 2020 base.
• Size percentile: bigger than about 98% of the places in Arkansas, with 39,123 residents in Pine Bluff.
• Population density: about 885 people per square mile (Census land area 44.2 sq mi).
• Land area rank: Pine Bluff's 44.2 square miles rank 9th of 500 places in Arkansas.
• Water: Pine Bluff holds about 2.20 square miles, the 4th-largest water area in Arkansas.
• Within Arkansas: about 1.9% of the state's population lives in Pine Bluff.
• National rank: Pine Bluff is the 1,019th most populous of the 19,457 Census places covered here.
• Growth in Arkansas: Pine Bluff stands 457th by percentage change from 2020 to 2023, among 500 places.
• Versus Arkansas: the state average change is +0.3%, while Pine Bluff moved 5.2%.
• Density in Arkansas: Pine Bluff ranks 74th by people per square mile.
• Against the state median: Pine Bluff runs about 885 residents per square mile, where the Arkansas median is 386.
• Location: it lies at 34.2116, -92.0176 in the Census Gazetteer.
• Nearest larger cities: Little Rock (40 mi); North Little Rock (41 mi); Conway (65 mi); Monroe (117 mi). Living near a larger metro rarely changes what is available in Pine Bluff.
• Nearest smaller towns: White Hall (6 mi); Sherrill (13 mi); Altheimer (13 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 60 of them.
• Larger places within 100 miles: 3.

What to do before borrowing in Pine Bluff

A sensible order of operations for a loan in Pine Bluff, home to about 39,123 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Make sure the lender appears in the Arkansas regulator's licence list.
5. Test the payment against your current bills before you commit.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

The process is identical across Arkansas; what changes is your credit file, not the fact that Pine Bluff holds 39,123 people.

Pine Bluff's place among Arkansas's 500 places

Pine Bluff is the 10th-largest of 500 Census places in Arkansas and contains about 1.9% of the state's people. Its 2020-to-2023 change ranks 457th of 500 Arkansas places, putting it near the 9th percentile for growth. Its roughly 885 residents per square mile place it 74th among Arkansas's places. In land area, Pine Bluff ranks 9th among Arkansas's 500 places.

The state rulebook for Pine Bluff

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

How lenders reach Pine Bluff

Pine Bluff is a moderately settled community of about 39,123 people, with 2 larger places inside a 50-mile radius. Lenders licensed in Arkansas reach Pine Bluff's 39,123 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Little Rock, AR about 40 miles away.

Where Pine Bluff sits

Inside Pine Bluff's boundaries lie roughly 44.2 square miles of land and 2.20 square miles of water. The resulting density is about 885 people per square mile. The state's population centre of gravity, Little Rock, is roughly 40 miles away. Pine Bluff has 2 larger places within a 50-mile radius. By land area it ranks 9th of 500 Arkansas places.