Pamplin City at a glance
- Population: the Census estimates 145 residents, ranking 214th of 227 places in Virginia (Vintage 2023).
- 2020 Census base: 140 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 3.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Virginia places: 214th of 227 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 6% of places in Virginia are smaller (US Census Bureau).
- Coordinates: it sits at 37.2663, -78.6837 in the US Census Bureau Gazetteer.
- Nearest larger cities: Appomattox, VA (10 mi); Phenix, VA (13 mi); Charlotte Court House, VA (15 mi); Farmville, VA (16 mi); Keysville, VA (19 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Scottsburg, VA (36 mi); Virgilina, VA (50 mi); Middleburg, NC (63 mi), each a US Census place.
What a personal loan costs in Pamplin City
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Virginia lending rules that apply in Pamplin City
The sourced rows below are the rules a licensed lender must follow when lending in Virginia, and therefore in Pamplin City.
| 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 Pamplin City
Run through this list before signing anything in Pamplin City:
- 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.