Manassas at a glance
- Population: 42,696 residents, the 16th-largest of 227 places in Virginia (US Census Bureau, Vintage 2023).
- 2020 Census base: 42,773 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 0.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Virginia places: 16th of the state's 227 Census places (US Census Bureau).
- Size percentile: it is larger than about 93% of the places in Virginia (US Census Bureau).
- Coordinates: it sits at 38.7468, -77.4826 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Alexandria, VA (22 mi); Leesburg, VA (25 mi); Washington, DC (27 mi); Rockville, MD (29 mi); Gaithersburg, MD (32 mi) (US Census Bureau populations).
- Nearest smaller communities: Manassas Park, VA (3 mi); Clifton, VA (6 mi); Haymarket, VA (9 mi) (Census populations).
What a personal loan costs in Manassas
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Virginia lending rules that apply in Manassas
The table carries the Virginia rate and licensing rules that apply to consumer loans made in Manassas.
| 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 Manassas
Before you commit to a personal loan in Manassas, 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 Virginia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.