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Personal loans in Rich Creek, VA

For a borrower in Rich Creek, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. Census estimates count about 733 residents in Rich Creek, making it the 152nd-largest of 227 places in Virginia. Virginia law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

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

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Rich Creek at a glance

  • Population: roughly 733 people; 152nd of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 748 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: about 2.0% below the 2020 Census base (US Census Bureau).
  • Rank among Virginia places: 152nd of 227 by population (US Census Bureau, Vintage 2023).
  • Size percentile: it is larger than about 33% of the places in Virginia (US Census Bureau).
  • Coordinates: 37.3846, -80.8188 (US Census Bureau Gazetteer).
  • Nearest larger cities (120-mile radius): Narrows, VA (4 mi); Pearisburg, VA (6 mi); Pembroke, VA (11 mi); Athens, WV (11 mi); Princeton, WV (15 mi) (US Census Bureau).
  • Smaller places close by: Peterstown, WV (2 mi); Glen Lyn, VA (2 mi); Oakvale, WV (9 mi) (US Census Bureau).

What a personal loan costs in Rich Creek

A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.

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 term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.

Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.

Virginia lending rules that apply in Rich Creek

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 statusLegal 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 licensingConsumer 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 regulatorVirginia 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 Rich Creek

Before you share your details with a lender in Rich Creek:

  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 Virginia 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 Rich Creek?
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 Rich Creek are the same as elsewhere in Virginia.
How much can I borrow with a personal loan in Rich Creek?
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 Rich Creek 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 Rich Creek 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

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