Lyndonville at a glance
- Population: about 1,211 residents, ranking 17th of 40 Census places in Vermont (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 1,175 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 3.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Vermont places: 17th of the state's 40 Census places (US Census Bureau).
- Size percentile: ahead of around 57% of Vermont places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 44.5296, -71.9981.
- Nearest larger cities (within 120 miles): Morrisville, VT (29 mi); Newport, VT (30 mi); Montpelier, VT (34 mi); Barre, VT (34 mi); Johnson, VT (34 mi) (US Census Bureau populations).
- Smaller towns nearby: West Burke, VT (8 mi); Barton, VT (17 mi); Marshfield, VT (21 mi) (US Census Bureau).
What a personal loan costs in Lyndonville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Vermont lending rules that apply in Lyndonville
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lyndonville
Before you commit to a personal loan in Lyndonville, 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.