Enosburg Falls at a glance
- Population: 1,345 people, the 15th-largest place among Vermont's 40 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,352 (US Census Bureau).
- 2020 to 2023 change: about 0.5% lower than the 2020 Census base (US Census Bureau).
- Rank among Vermont places: the 15th-largest of 40 (US Census Bureau, 2023 estimate).
- Size percentile: about 62% of Vermont's Census places are smaller (US Census Bureau).
- Coordinates: 44.9100 latitude, -72.8020 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: St. Albans, VT (15 mi); Swanton, VT (16 mi); Morrisville, VT (27 mi); Rouses Point, NY (28 mi); Newport, VT (29 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Jeffersonville, VT (18 mi); Cambridge, VT (19 mi); Johnson, VT (20 mi) — US Census Bureau populations.
What a personal loan costs in Enosburg Falls
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Vermont lending rules that apply in Enosburg Falls
The table carries the Vermont rate and licensing rules that apply to consumer loans made in Enosburg Falls.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Vermont Department of Financial Regulation (DFR), Banking Division Source says: The Banking Division regulates the below listed non-depository financial services. | Vermont Department of Financial Regulation (DFR) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 12% per annum general legal rate; 18% permitted for certain single-payment loans by regulated lenders (9 V.S.A. § 41a) Source says: the rate of interest or the sum allowed for forbearance or use of money shall be 12 percent per annum computed by the actuarial method | Vermont General Assembly (Vermont Statutes Online) as of 2026-09-16 |
| Payday lending status | Prohibited — payday loans (postdated check lending) are explicitly banned in Vermont Source says: Payday loans (loans contingent on a postdated payment instrument) are explicitly banned. | Vermont Attorney General as of 2026-09-16 |
| Small-loan / installment lender licensing | Lender license required from the Commissioner (8 V.S.A. ch. 73, § 2201) Source says: Without first obtaining a license under this chapter from the Commissioner, a person shall not | Vermont General Assembly (Vermont Statutes Online) as of 2026-09-16 |
How to compare offers in Enosburg Falls
Before you share your details with a lender in Enosburg Falls:
- 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 Vermont using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.