Bluefield at a glance
- Population: roughly 4,906 people; 65th of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,099 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 3.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Virginia places: 65th of the state's 227 Census places (US Census Bureau).
- Size percentile: roughly 71% of places in Virginia rank below it by population (US Census Bureau).
- Coordinates: 37.2352 latitude, -81.2747 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Bluefield, WV (4 mi); Princeton, WV (13 mi); Wytheville, VA (22 mi); Marion, VA (31 mi); Pulaski, VA (31 mi) (US Census Bureau).
- Smaller places nearby: Pocahontas, VA (6 mi); Bramwell, WV (7 mi); Anawalt, WV (11 mi), per US Census Bureau estimates.
What a personal loan costs in Bluefield
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Virginia lending rules that apply in Bluefield
Read the table as the compliance picture for a lender serving Bluefield: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bluefield
The order below is a sensible way to approach a loan in Bluefield:
- 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.