Personalloaned Compare rates

VT · city page

Personal loans in Poultney, VT

Taking out a personal loan in Poultney means a fixed monthly payment for a set term, and the APR you are quoted rests on your credit, income and debts. At about 1,098 residents, Poultney is the 18th-largest of the 40 Census places in Vermont. The sourced table below lists the Vermont rate caps and licensing rules a lender must follow on a loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Poultney at a glance

  • Population: 1,098 — 18th in Vermont, which has 40 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 1,095 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: up about 0.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Vermont places: 18th largest of 40 (US Census Bureau).
  • Size percentile: about 55% of Vermont's Census places are smaller (US Census Bureau).
  • Coordinates: the Census Gazetteer places it at 43.5178, -73.2360.
  • Nearest larger cities within 120 miles: Granville, NY (7 mi); Whitehall, NY (10 mi); Rutland, VT (14 mi); Hudson Falls, NY (23 mi); Fort Edward, NY (24 mi) (US Census Bureau).
  • Smaller places close by: Fort Ann, NY (15 mi); Argyle, NY (23 mi); Lake George, NY (25 mi) (US Census Bureau).

What a personal loan costs in Poultney

Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.

Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Vermont lending rules that apply in Poultney

Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.

RuleDetailSource
Payday lending statusProhibited — 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 licensingLender 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 regulatorVermont 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

How to compare offers in Poultney

Here is a short checklist for comparing personal loans in Poultney:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Vermont using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Poultney?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Poultney are the same as elsewhere in Vermont.
How much can I borrow with a personal loan in Poultney?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Poultney require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Poultney hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

Related