Stanley at a glance
- Population: a Census-estimated 1,703, placing it 104th among Virginia's 227 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,702 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 0.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Virginia places: 104th of 227 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 54% of Virginia places in population terms (US Census Bureau).
- Coordinates: 38.5810 latitude, -78.4994 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Luray, VA (6 mi); Shenandoah, VA (9 mi); New Market, VA (10 mi); Elkton, VA (13 mi); Mount Jackson, VA (14 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Edinburg, VA (17 mi); Madison, VA (19 mi); Stanardsville, VA (20 mi) (US Census Bureau estimates).
What a personal loan costs in Stanley
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Stanley
Read the table as the compliance picture for a lender serving Stanley: label, sourced figure, publisher and date.
| 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 Stanley
Run through this list before signing anything in Stanley:
- 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.