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Personal loans in Surry, VA

Borrowers in Surry use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. The Census puts Surry at about 208 residents, the 208th-largest of 227 places in Virginia. Virginia's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

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

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Surry at a glance

  • Population: the Census estimates 208 residents, ranking 208th of 227 places in Virginia (Vintage 2023).
  • 2020 Census base: 208 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: roughly unchanged from the 2020 Census base (US Census Bureau).
  • Rank among Virginia places: 208th-largest of 227 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: it exceeds roughly 8% of Virginia's Census places by population (US Census Bureau).
  • Coordinates: 37.1371, -76.8333 (US Census Bureau Gazetteer).
  • Nearest larger cities: Dendron, VA (9 mi); Claremont, VA (10 mi); Williamsburg, VA (11 mi); Wakefield, VA (14 mi); Waverly, VA (16 mi); US Census Bureau population estimates.
  • Smaller places nearby: Stony Creek, VA (34 mi); Capron, VA (36 mi); Como, NC (45 mi), per US Census Bureau estimates.

What a personal loan costs in Surry

Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

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

A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.

Virginia lending rules that apply in Surry

Each row below is a Virginia rule with its publisher and the date it was retrieved.

RuleDetailSource
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
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

How to compare offers in Surry

The order below is a sensible way to approach a loan in Surry:

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