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Personal loans in Broadway, VA

Borrowers in Broadway use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. About 4,317 people live in Broadway, which ranks 70th of 227 Census places in Virginia. Every lender serving Virginia must observe the state's rate caps and licensing rules, shown with their sources below.

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

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Broadway at a glance

  • Population: 4,317 residents, the 70th-largest of 227 places in Virginia (US Census Bureau, Vintage 2023).
  • 2020 Census base: 4,171 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: population rose about 3.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Virginia places: 70th by size among 227 communities (US Census Bureau).
  • Size percentile: roughly 69% of places in Virginia rank below it by population (US Census Bureau).
  • Coordinates: 38.6085, -78.8014 (US Census Bureau Gazetteer).
  • Nearest larger cities: Harrisonburg, VA (13 mi); Bridgewater, VA (18 mi); Luray, VA (19 mi); Woodstock, VA (24 mi); Staunton, VA (34 mi); each population is a US Census Bureau estimate.
  • Smaller towns nearby: Timberville, VA (2 mi); New Market, VA (7 mi); Mount Jackson, VA (12 mi) (US Census Bureau).

What a personal loan costs in Broadway

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.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our 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.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Virginia lending rules that apply in Broadway

Read the table as the compliance picture for a lender serving Broadway: label, sourced figure, publisher and date.

RuleDetailSource
State lending regulatorVirginia 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 statusLegal 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 licensingConsumer 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 Broadway

Here is a short checklist for comparing personal loans in Broadway:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Virginia using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Broadway?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Broadway are the same as elsewhere in Virginia.
How much can I borrow with a personal loan in Broadway?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Broadway require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Broadway hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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