Dumfries at a glance
- Population: 5,916 (US Census Bureau, Vintage 2023 subcounty estimate), the 57th-largest of 227 places in Virginia.
- 2020 Census base: 5,674 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 4.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Virginia places: 57th out of 227 Census places (US Census Bureau).
- Size percentile: about 75% of places in Virginia are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.5673, -77.3224.
- Nearest larger cities: Manassas, VA (15 mi); Manassas Park, VA (15 mi); La Plata, MD (19 mi); Fairfax, VA (20 mi); Fredericksburg, VA (21 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Quantico, VA (4 mi); Occoquan, VA (9 mi); Indian Head, MD (9 mi) (US Census Bureau).
What a personal loan costs in Dumfries
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.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Dumfries
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Dumfries
Before you share your details with a lender in Dumfries:
- 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.