Hurt at a glance
- Population: 1,242 people, the 123rd-largest place among Virginia's 227 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,265 (US Census Bureau).
- 2020 to 2023 change: down about 1.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Virginia places: 123rd out of 227 Census places (US Census Bureau).
- Size percentile: about 46% of places in Virginia are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.0964, -79.3033.
- Nearest larger cities (within 120 miles): Altavista, VA (2 mi); Gretna, VA (11 mi); Bedford, VA (20 mi); Lynchburg, VA (22 mi); Appomattox, VA (32 mi) (US Census Bureau populations).
- Nearest smaller communities: Brookneal, VA (20 mi); Chatham, VA (20 mi); Phenix, VA (31 mi) (Census populations).
What a personal loan costs in Hurt
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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 Hurt
Each row below is a Virginia rule with its publisher and the date it was retrieved.
| 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 Hurt
Run through this list before signing anything in Hurt:
- 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.