Kilmarnock at a glance
- Population: 1,443 — 112th in Virginia, which has 227 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,444 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 0.1% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Virginia places: 112th by size among 227 communities (US Census Bureau).
- Size percentile: it exceeds roughly 51% of Virginia's Census places by population (US Census Bureau).
- Coordinates: 37.7107 latitude, -76.3829 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: West Point, VA (25 mi); Warsaw, VA (27 mi); Tappahannock, VA (30 mi); Crisfield, MD (34 mi); Williamsburg, VA (35 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Irvington, VA (4 mi); White Stone, VA (5 mi); Urbanna, VA (12 mi) (US Census Bureau).
What a personal loan costs in Kilmarnock
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Kilmarnock
The table lists the Virginia rules that apply to a loan made in Kilmarnock, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kilmarnock
Run through this list before signing anything in Kilmarnock:
- 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.