St. Paul at a glance
- Population: 838 residents, the 143rd-largest of 227 places in Virginia (US Census Bureau, Vintage 2023).
- 2020 Census base: 864 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 3.0% since the 2020 count (US Census Bureau).
- Rank among Virginia places: 143rd in population of 227 places (US Census Bureau).
- Size percentile: it is larger than about 37% of the places in Virginia (US Census Bureau).
- Coordinates: latitude 36.9067, longitude -82.3170 (US Census Bureau Gazetteer).
- Nearest larger cities: Coeburn, VA (9 mi); Lebanon, VA (13 mi); Wise, VA (15 mi); Norton, VA (17 mi); Clintwood, VA (19 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Cleveland, VA (9 mi); Dungannon, VA (10 mi); Nickelsville, VA (12 mi), each a US Census place.
What a personal loan costs in St. Paul
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Virginia lending rules that apply in St. Paul
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 St. Paul
Before you share your details with a lender in St. Paul:
- 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.