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Personal loans in Gordonsville, VA

For residents of Gordonsville, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census puts Gordonsville at about 1,492 residents, the 111th-largest of 227 places in Virginia. Rate caps and licensing for consumer lenders in Virginia come from state law, and the sourced rows below set them out.

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

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Gordonsville at a glance

  • Population: 1,492 people, the 111th-largest place among Virginia's 227 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 1,405 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: up roughly 6.2% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Virginia places: 111th largest of 227 (US Census Bureau).
  • Size percentile: it exceeds roughly 51% of Virginia's Census places by population (US Census Bureau).
  • Coordinates: mapped at 38.1356, -78.1874 by the US Census Bureau Gazetteer.
  • Nearest larger cities: Orange, VA (9 mi); Louisa, VA (13 mi); Charlottesville, VA (18 mi); Culpeper, VA (25 mi); Elkton, VA (30 mi); each population is a US Census Bureau estimate.
  • Nearest smaller communities: Madison, VA (17 mi); Stanardsville, VA (18 mi); Mineral, VA (18 mi) (Census populations).

What a personal loan costs in Gordonsville

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.

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 Gordonsville

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

The order below is a sensible way to approach a loan in Gordonsville:

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