Jacksonville at a glance
- Population: the Census estimates 218 residents, ranking 36th of 40 places in Vermont (Vintage 2023).
- 2020 Census base: 215 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 1.4% since the 2020 count (US Census Bureau).
- Rank among Vermont places: 36th by size among 40 communities (US Census Bureau).
- Size percentile: larger than about 10% of the Census places in Vermont (US Census Bureau).
- Coordinates: latitude 42.7940, longitude -72.8156 (US Census Bureau Gazetteer).
- Nearest larger cities: Greenfield, MA (17 mi); North Adams, MA (17 mi); North Bennington, VT (23 mi); Westminster, VT (27 mi); Keene, NH (28 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Newfane, VT (16 mi); Old Bennington, VT (21 mi); Galway, NY (63 mi) (US Census Bureau).
What a personal loan costs in Jacksonville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Vermont lending rules that apply in Jacksonville
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Jacksonville
Before you commit to a personal loan in Jacksonville, work through these steps:
- 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.