Personal loans in Valley Springs, AR

An estimated 190 people make their home in Valley Springs, a figure that ranks 379th in Arkansas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Valley Springs is a small community in Arkansas, with an estimated 190 residents, and every licensed lender here follows the same state rulebook. Census figures put the 2020-to-2023 increase in Valley Springs at about 4.4%. Decide the purpose of the loan and your repayment plan before sharing any details with a Valley Springs lender. Rate ceilings, licensing requirements and product limits for Valley Springs are all set at the Arkansas level. For a bigger market, look to Western Grove, AR about 4 miles away.

Valley Springs: population, trend and location

Only a few things actually differ by place — population, area, location, and the Arkansas rules a lender must follow — and they are below.

Borrowing reach in Valley Springs

At roughly 370 people per square mile, Valley Springs is lightly settled; 48 larger places lie within 50 miles. Distance to a branch rarely matters for Valley Springs's 190 residents: the application is online and the price follows your credit file. The nearest bigger place is Western Grove, AR about 4 miles away.

The geography behind Valley Springs

Valley Springs covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 370 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 105 miles. Counting outward 50 miles, 48 larger communities surround Valley Springs. The 100-mile radius contains 261 larger places.

How Valley Springs compares across Arkansas

Set beside Arkansas's 500 places, Valley Springs ranks 379th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 56th of 500 Arkansas places, putting it near the 89th percentile for growth. By density, at about 370 people per square mile, it ranks 260th in Arkansas. In land area, Valley Springs ranks 420th among Arkansas's 500 places.

How Arkansas law applies in Valley Springs

Arkansas has no separate rate rule for Valley Springs; the sourced rows below are what reach every lender that serves its 190 people.

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
Small-loan / installment lender licensingSee the latest published figure
value_text left null: the State Bank Department does not publish a consumer small-loan license rate schedule that could be verified; storefront payday lending has been eliminated (see Payday lending status). See the linked regulator page for the licensee categories it supervises.		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

How a Valley Springs personal loan is priced

Valley Springs is a small community of about 190 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Valley Springs loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Valley Springs loan is knowable in advance — unlike a revolving card balance.

Compare personal loan offers Run the numbers first

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