Keysville at a glance
- Population: roughly 794 people; 146th of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 811 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.1% lower than the 2020 Census base (US Census Bureau).
- Rank among Virginia places: 146th in population of 227 places (US Census Bureau).
- Size percentile: it exceeds roughly 36% of Virginia's Census places by population (US Census Bureau).
- Coordinates: mapped at 37.0390, -78.4804 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Victoria, VA (14 mi); Chase City, VA (17 mi); Farmville, VA (18 mi); Kenbridge, VA (20 mi); Crewe, VA (22 mi) (US Census Bureau).
- Nearest smaller communities: Drakes Branch, VA (7 mi); Charlotte Court House, VA (9 mi); Phenix, VA (15 mi), each a US Census place.
What a personal loan costs in Keysville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Virginia lending rules that apply in Keysville
The Virginia rate caps and licensing rules that reach Keysville are listed below, each with its source and retrieval date.
| 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 Keysville
These steps are the ones that most affect the offer you receive in Keysville:
- 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.