Personal loans in St. Charles, AR

Local context for St. Charles

Most of what governs a St. Charles loan is written in Arkansas law rather than in the city; the sourced notes below make that split concrete.

• Population: an estimated 194 residents, 376th of 500 places in Arkansas (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 5.4% from the 2020 Census base to the 2023 estimate.
• Absolute change: 11 residents lost between 2020 and 2023.
• Size percentile: about 25% of Arkansas communities are smaller than St. Charles (194 residents).
• Land and density: 0.9 square miles of land carry roughly 219 residents per square mile.
• By land area: St. Charles ranks 374th among Arkansas's 500 places, at 0.9 sq mi.
• Share of state population: St. Charles's 194 residents are about 0.0% of Arkansas.
• National rank: St. Charles is 16,587th of 19,457 places nationwide.
• Growth rank: St. Charles's 2020-to-2023 change ranks 462nd of 500 places in Arkansas.
• Versus Arkansas: the state average change is +0.3%, while St. Charles moved 5.4%.
• Density rank: St. Charles places 358th among Arkansas's places by people per square mile.
• Against the state median: St. Charles runs about 219 residents per square mile, where the Arkansas median is 386.
• Location: it lies at 34.3730, -91.1374 in the Census Gazetteer.
• Nearest larger cities: DeWitt (13 mi); Almyra (16 mi); Holly Grove (16 mi); Elaine (17 mi); Marvell (18 mi). Online lenders reach St. Charles no matter how far the nearest branch is.
• Nearest smaller towns: Roe (23 mi); Ulm (23 mi); Rondo (27 mi) — useful context for the surrounding area.
• Smaller neighbours: 22 places smaller than St. Charles sit within 50 miles.
• At 100 miles: 226 larger Census places fall inside that radius.

The Arkansas lending rules that reach St. Charles

For the roughly 194 residents of St. Charles, the rules below are Arkansas's own; each row carries its publisher and retrieval date.

Where St. Charles sits in Arkansas

Set beside Arkansas's 500 places, St. Charles ranks 376th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, St. Charles ranks 462nd of 500 in Arkansas (about the 8th percentile). At about 219 people per square mile, St. Charles is the 358th most densely settled place in Arkansas. By land area, its 0.9 square miles rank 374th of 500 places in Arkansas.

What shapes a St. Charles personal loan

Most loans made to St. Charles's 194 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a St. Charles lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a St. Charles loan is knowable in advance — unlike a revolving card balance.

What to do before borrowing in St. Charles

For St. Charles's roughly 194 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the lender holds a Arkansas licence by checking the regulator named above.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is St. Charles-specific: the same Arkansas licensing and disclosure rules reach all 194 residents.

Land, water and location for St. Charles

The Census Gazetteer records about 0.9 square miles of land within St. Charles, with no significant water area listed. That land carries about 219 people per square mile. The largest place in Arkansas, Little Rock, lies about 74 miles away. Within 50 miles of St. Charles there are 45 larger Census places. By land area it ranks 374th of 500 Arkansas places.