Middletown at a glance
- Population: roughly 1,413 people; 115th of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,353 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 4.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Virginia places: the 115th-largest of 227 (US Census Bureau, 2023 estimate).
- Size percentile: about 49% of places in Virginia are smaller (US Census Bureau).
- Coordinates: 39.0291, -78.2778 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Strasburg, VA (4 mi); Stephens City, VA (5 mi); Front Royal, VA (9 mi); Winchester, VA (11 mi); Woodstock, VA (17 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Toms Brook, VA (10 mi); Boyce, VA (12 mi); Wardensville, WV (17 mi), each a US Census place.
What a personal loan costs in Middletown
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Virginia lending rules that apply in Middletown
The sourced rows below are the rules a licensed lender must follow when lending in Virginia, and therefore in Middletown.
| 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 Middletown
These steps are the ones that most affect the offer you receive in Middletown:
- 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.