Jeffersonville at a glance
- Population: about 756 residents, ranking 23rd of 40 Census places in Vermont (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 780 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 3.1% lower than the 2020 Census base (US Census Bureau).
- Rank among Vermont places: 23rd-largest of 40 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 42% of the Census places in Vermont (US Census Bureau).
- Coordinates: it sits at 44.6466, -72.8261 in the US Census Bureau Gazetteer.
- Nearest larger cities: Johnson, VT (7 mi); Morrisville, VT (13 mi); St. Albans, VT (17 mi); Essex Junction, VT (18 mi); Enosburg Falls, VT (18 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Cambridge, VT (3 mi); Hyde Park, VT (11 mi); Albany, VT (23 mi), each a US Census place.
What a personal loan costs in Jeffersonville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Vermont lending rules that apply in Jeffersonville
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 Jeffersonville
Here is a short checklist for comparing personal loans in Jeffersonville:
- 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.