Personal loans in Stephens, AR

The Census estimates 746 residents in Stephens, which ranks it 210th of 500 places in Arkansas. Decide the purpose of the loan and your repayment plan before sharing any details with a Stephens lender. To lend to Stephens's 746 residents, a company must hold a Arkansas licence, and each sourced row below names the regulator behind it. The nearest larger metro is Magnolia, AR about 13 miles away.

Stephens by the numbers

Read the local figures below as context; read the sourced Arkansas table as the rulebook a lender here must follow.

• Population: the Census counts 746 residents in Stephens (Vintage 2023 subcounty estimate), the 210th-largest figure among Arkansas's 500 places.
• Population trend: The 2020-to-2023 change is negative, near 3.7%.
• People gained or lost: about 29 fewer since the 2020 base.
• Size percentile: about 58% of Arkansas communities are smaller than Stephens (746 residents).
• Population density: about 271 people per square mile across 2.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Stephens's 2.8 square miles rank 207th of 500 places in Arkansas.
• Water: Stephens holds about 0.01 square miles, the 178th-largest water area in Arkansas.
• Share of state population: Stephens's 746 residents are about 0.0% of Arkansas.
• National rank: Stephens sits 11,487th by population among the 19,457 places in this dataset.
• Growth in Arkansas: Stephens stands 410th by percentage change from 2020 to 2023, among 500 places.
• Versus Arkansas: the state average change is +0.3%, while Stephens moved 3.7%.
• Density rank: Stephens is the 327th most densely settled place in Arkansas.
• Density vs Arkansas: Stephens's 271 people per square mile compare with a state median of 386.
• Location: mapped by the US Census Bureau at 33.4209, -93.0696.
• Nearest larger cities: Magnolia (13 mi); Waldo (14 mi); Camden (16 mi); Smackover (20 mi); East Camden (23 mi). Lenders licensed in the state serve Stephens whether or not they keep a local branch.
• Smaller communities close by: McNeil (9 mi); Willisville (14 mi); Louann (16 mi), each with its own Census population profile.
• Smaller neighbours: 45 places smaller than Stephens sit within 50 miles.
• Within 100 miles: 99 places are larger than Stephens.

How lenders reach Stephens

Stephens is lightly settled, with about 271 people per square mile and 20 larger places within 50 miles. Whether Stephens has a local branch or not, a Arkansas-licensed lender can serve its 746 people online on the same terms. For a larger market, the closest option is Magnolia, AR about 13 miles away.

How Arkansas law applies in Stephens

For the roughly 746 residents of Stephens, the rules below are Arkansas's own; each row carries its publisher and retrieval date.

What to do before borrowing in Stephens

These steps shape the offer you get in Stephens, a place of about 746 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the Arkansas licence with the regulator named above before committing.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Write down the purpose of the loan and your repayment plan before you apply.

The process is identical across Arkansas; what changes is your credit file, not the fact that Stephens holds 746 people.

How Stephens compares across Arkansas

Stephens is the 210th-largest of 500 Census places in Arkansas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Stephens ranks 410th of 500 in Arkansas (about the 18th percentile). Its roughly 271 residents per square mile place it 327th among Arkansas's places. By land area, its 2.8 square miles rank 207th of 500 places in Arkansas.

Where Stephens sits

The Census Gazetteer records 2.8 square miles of land and 0.01 square miles of water within Stephens. With 746 residents, the land area yields roughly 271 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 99 miles. Within 50 miles of Stephens there are 20 larger Census places. By land area it ranks 207th of 500 Arkansas places.