Belle Haven at a glance
- Population: about 535, 161st by size in Virginia of 227 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 541 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 1.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Virginia places: 161st by size among 227 communities (US Census Bureau).
- Size percentile: about 29% of Virginia's Census places are smaller (US Census Bureau).
- Coordinates: 37.5547 latitude, -75.8238 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Exmore, VA (2 mi); Onancock, VA (12 mi); Parksley, VA (19 mi); Cape Charles, VA (24 mi); Crisfield, MD (29 mi) (US Census Bureau).
- Nearest smaller places: Painter, VA (3 mi); Keller, VA (6 mi); Nassawadox, VA (6 mi) (US Census Bureau estimates).
What a personal loan costs in Belle Haven
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Virginia lending rules that apply in Belle Haven
The table carries the Virginia rate and licensing rules that apply to consumer loans made in Belle Haven.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Virginia State Corporation Commission, Bureau of Financial Institutions (BFI) Source says: The Bureau of Financial Institutions (BFI) is a regulatory division of the Virginia State Corporation Commission (SCC.) | Virginia State Corporation Commission (SCC) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 12% per year maximum contract rate, except as otherwise permitted by law (Va. Code § 6.2-303) Source says: no contract shall be made for the payment of interest on a loan at a rate that exceeds 12 percent per year | Virginia General Assembly (Code of Virginia) as of 2026-09-16 |
| Payday lending status | Legal via licensed short-term lenders; interest capped at a 36% simple annual rate plus limited fees (Va. Code § 6.2-1817) Source says: Interest at a simple annual rate not to exceed 36 percent | Virginia General Assembly (Code of Virginia) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer finance license required from the State Corporation Commission (Va. Code § 6.2-1501) Source says: No person shall engage in the business of making loans to individuals for personal, family, household, or other nonbusiness purposes | Virginia General Assembly (Code of Virginia) as of 2026-09-16 |
How to compare offers in Belle Haven
The steps below are worth completing first when you borrow in Belle Haven:
- 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 Virginia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.