Charlotte Court House at a glance
- Population: about 498 residents, ranking 169th of 227 Census places in Virginia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 508 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 2.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Virginia places: 169th by size among 227 communities (US Census Bureau).
- Size percentile: roughly 26% of places in Virginia rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.0562, -78.6377.
- Nearest larger cities: Drakes Branch, VA (5 mi); Keysville, VA (9 mi); Brookneal, VA (17 mi); Chase City, VA (20 mi); Farmville, VA (21 mi); US Census Bureau population estimates.
- Smaller places close by: Phenix, VA (6 mi); Pamplin City, VA (15 mi); Scottsburg, VA (22 mi) (US Census Bureau).
What a personal loan costs in Charlotte Court House
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Virginia lending rules that apply in Charlotte Court House
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Charlotte Court House
A few practical steps will make the process in Charlotte Court House 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 Virginia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.