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Personal loans in Clifton, VA

Borrowers in Clifton use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. With roughly 240 people, Clifton ranks 204th of 227 Census places in Virginia. The table below carries the Virginia rate caps and licensing rules that apply to a personal loan taken out here.

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

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Clifton at a glance

  • Population: 240, the 204th-largest community in Virginia out of 227 (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 Census recorded 244 residents here (US Census Bureau).
  • 2020 to 2023 change: down about 1.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Virginia places: 204th largest of 227 (US Census Bureau).
  • Size percentile: roughly 10% of Virginia's places have fewer residents (US Census Bureau).
  • Coordinates: latitude 38.7801, longitude -77.3860 (US Census Bureau Gazetteer).
  • Nearest larger cities (120-mile radius): Manassas Park, VA (3 mi); Manassas, VA (6 mi); Fairfax, VA (7 mi); Occoquan, VA (10 mi); Vienna, VA (11 mi) (US Census Bureau).
  • Nearest smaller towns: Port Tobacco Village, MD (27 mi); Barnesville, MD (31 mi); Brookeville, MD (33 mi) (US Census Bureau).

What a personal loan costs in Clifton

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.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.

Virginia lending rules that apply in Clifton

The Virginia rate caps and licensing rules that reach Clifton are listed below, each with its source and retrieval date.

RuleDetailSource
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
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

How to compare offers in Clifton

A few practical steps will make the process in Clifton less costly:

  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 Clifton?
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 Clifton are the same as elsewhere in Virginia.
How much can I borrow with a personal loan in Clifton?
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 Clifton 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 Clifton 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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