Lovettsville at a glance
- Population: about 2,707 residents, ranking 86th of 227 Census places in Virginia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 2,695 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 0.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Virginia places: 86th in population of 227 places (US Census Bureau).
- Size percentile: ahead of around 62% of Virginia places in population terms (US Census Bureau).
- Coordinates: 39.2698 / -77.6404, per the US Census Bureau Gazetteer.
- Nearest larger cities: Brunswick, MD (3 mi); Purcellville, VA (10 mi); Leesburg, VA (12 mi); Charles Town, WV (13 mi); Middletown, MD (13 mi), each a US Census place with its estimated population.
- Nearest smaller places: Rosemont, MD (5 mi); Hillsboro, VA (7 mi); Harpers Ferry, WV (7 mi) (US Census Bureau estimates).
What a personal loan costs in Lovettsville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Virginia lending rules that apply in Lovettsville
The sourced rows below are the rules a licensed lender must follow when lending in Virginia, and therefore in Lovettsville.
| 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 Lovettsville
The order below is a sensible way to approach a loan in Lovettsville:
- 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.