Orleans at a glance
- Population: a Census-estimated 773, placing it 21st among Vermont's 40 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 802 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 3.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Vermont places: 21st in population of 40 places (US Census Bureau).
- Size percentile: larger than about 48% of the Census places in Vermont (US Census Bureau).
- Coordinates: 44.8088, -72.1995 (US Census Bureau Gazetteer).
- Nearest larger cities: Newport, VT (9 mi); Lyndonville, VT (22 mi); Morrisville, VT (26 mi); Johnson, VT (26 mi); Enosburg Falls, VT (30 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Barton, VT (4 mi); Albany, VT (10 mi); Derby Center, VT (11 mi) (US Census Bureau).
What a personal loan costs in Orleans
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Vermont lending rules that apply in Orleans
The sourced rows below are the rules a licensed lender must follow when lending in Vermont, and therefore in Orleans.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Orleans
Before you share your details with a lender in Orleans:
- 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.