Pulaski at a glance
- Population: 8,858 people, the 42nd-largest place among Virginia's 227 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 8,986 (US Census Bureau).
- 2020 to 2023 change: population fell about 1.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Virginia places: 42nd-largest of 227 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 81% of Virginia's Census places by population (US Census Bureau).
- Coordinates: 37.0528 / -80.7619, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Radford, VA (12 mi); Christiansburg, VA (21 mi); Blacksburg, VA (22 mi); Bluefield, WV (29 mi); Mount Airy, NC (38 mi) (US Census Bureau).
- Nearest smaller towns: Dublin, VA (5 mi); Pearisburg, VA (19 mi); Wytheville, VA (19 mi) (US Census Bureau).
What a personal loan costs in Pulaski
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Virginia lending rules that apply in Pulaski
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.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pulaski
Run through this list before signing anything in Pulaski:
- 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.