Personal loans in Ratcliff, AR

Ratcliff is home to roughly 166 people and stands 396th by size out of 500 Census places in Arkansas. If debt is already a strain, a nonprofit credit counsellor can help Ratcliff residents before they take on more. State law, not city hall, decides what a lender may do to Ratcliff's roughly 166 residents, and a state regulator supervises it. The closest larger place is Branch, AR about 4 miles away.

Borrowing in Ratcliff: the local picture

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

• Population: about 166 people live here, which puts Ratcliff 396th of 500 Census places in Arkansas (Vintage 2023).
• Population trend: No meaningful shift since the 2020 count.
• Size percentile: Ratcliff's 166 people outrank roughly 21% of the places in Arkansas.
• Population density: 92 people per square mile on 1.8 square miles of land.
• Land area rank: Ratcliff's 1.8 square miles rank 267th of 500 places in Arkansas.
• Share of Arkansas: Ratcliff holds about 0.0% of the state's population, some 166 people.
• National rank: Ratcliff is the 17,026th most populous of the 19,457 Census places covered here.
• Growth in Arkansas: Ratcliff stands 228th by percentage change from 2020 to 2023, among 500 places.
• Versus Arkansas: the state average change is +0.3%, while Ratcliff moved 0.0%.
• Density rank: Ratcliff is the 460th most densely settled place in Arkansas.
• Against the state median: Ratcliff runs about 92 residents per square mile, where the Arkansas median is 386.
• Location: it lies at 35.3069, -93.8886 in the Census Gazetteer.
• Nearest larger cities: Branch (4 mi); Paris (9 mi); Charleston (9 mi); Denning (11 mi); Magazine (12 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Caulksville (1 mi); Wiederkehr Village (14 mi); Blue Mountain (16 mi).
• Within a 50-mile radius: 9 smaller Census places.
• Within 100 miles: 236 places are larger than Ratcliff.

Land, water and location for Ratcliff

Ratcliff covers about 1.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 166 residents, the land area yields roughly 92 people per square mile. Little Rock, the largest place in Arkansas, is about 95 miles from Ratcliff. Within 50 miles of Ratcliff there are 62 larger Census places. The 100-mile radius contains 236 larger places.

How Arkansas law applies in Ratcliff

These are Arkansas's sourced lending facts as they reach Ratcliff's 166 residents; the state has no city-level rate rule.

What a Ratcliff borrower is actually offered

Ratcliff is a small community of about 166 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Ratcliff's rank of 396th in Arkansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Ratcliff loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for Ratcliff borrowers

Before you hand your details to a lender in Ratcliff, where the population is near 166:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
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. Look the lender up in the Arkansas regulator's licence records before you sign.
5. Pick the shortest term whose payment you can comfortably afford.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Ratcliff-specific: the same Arkansas licensing and disclosure rules reach all 166 residents.

Ratcliff's place among Arkansas's 500 places

Ratcliff is the 396th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 228th of 500 Arkansas places, putting it near the 54th percentile for growth. At about 92 people per square mile, Ratcliff is the 460th most densely settled place in Arkansas. In land area, Ratcliff ranks 267th among Arkansas's 500 places.