Stephens City at a glance
- Population: about 2,116 residents, ranking 93rd of 227 Census places in Virginia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 2,020 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Virginia places: 93rd in population of 227 places (US Census Bureau).
- Size percentile: it is larger than about 59% of the places in Virginia (US Census Bureau).
- Coordinates: 39.0931, -78.2183 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Winchester, VA (6 mi); Strasburg, VA (9 mi); Front Royal, VA (12 mi); Berryville, VA (13 mi); Charles Town, WV (22 mi) (US Census Bureau).
- Nearest smaller towns: Middletown, VA (5 mi); Boyce, VA (8 mi); Toms Brook, VA (16 mi) — US Census Bureau populations.
What a personal loan costs in Stephens City
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Stephens City
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 |
|---|---|---|
| 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 Stephens City
Here is a short checklist for comparing personal loans in Stephens City:
- 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.