Barton at a glance
- Population: 726 people, the 24th-largest place among Vermont's 40 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 752 (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 3.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Vermont places: 24th of 40 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 40% of the places in Vermont (US Census Bureau).
- Coordinates: it sits at 44.7480, -72.1786 in the US Census Bureau Gazetteer.
- Nearest larger cities: Orleans, VT (4 mi); Newport, VT (13 mi); Lyndonville, VT (17 mi); Morrisville, VT (24 mi); Johnson, VT (26 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Albany, VT (10 mi); West Burke, VT (12 mi); Derby Center, VT (14 mi), per US Census Bureau estimates.
What a personal loan costs in Barton
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Vermont lending rules that apply in Barton
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Barton
A few practical steps will make the process in Barton 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.