Alburgh at a glance
- Population: 609, the 27th-largest community in Vermont out of 40 (US Census Bureau, Vintage 2023).
- 2020 Census base: 595 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 2.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Vermont places: the 27th-largest of 40 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 32% of places in Vermont rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 44.9767, -73.3026.
- Nearest larger cities: Rouses Point, NY (3 mi); Champlain, NY (6 mi); Swanton, VT (10 mi); St. Albans, VT (16 mi); Plattsburgh, NY (21 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Cambridge, VT (31 mi); Burke, NY (43 mi); Hyde Park, VT (43 mi) (US Census Bureau).
What a personal loan costs in Alburgh
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Vermont lending rules that apply in Alburgh
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Lender license required from the Commissioner (8 V.S.A. ch. 73, § 2201) Source says: Without first obtaining a license under this chapter from the Commissioner, a person shall not | Vermont General Assembly (Vermont Statutes Online) as of 2026-09-16 |
| State lending regulator | Vermont Department of Financial Regulation (DFR), Banking Division Source says: The Banking Division regulates the below listed non-depository financial services. | Vermont Department of Financial Regulation (DFR) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 12% per annum general legal rate; 18% permitted for certain single-payment loans by regulated lenders (9 V.S.A. § 41a) Source says: the rate of interest or the sum allowed for forbearance or use of money shall be 12 percent per annum computed by the actuarial method | Vermont General Assembly (Vermont Statutes Online) as of 2026-09-16 |
| Payday lending status | Prohibited — payday loans (postdated check lending) are explicitly banned in Vermont Source says: Payday loans (loans contingent on a postdated payment instrument) are explicitly banned. | Vermont Attorney General as of 2026-09-16 |
How to compare offers in Alburgh
A few practical steps will make the process in Alburgh less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Vermont using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.