Tappahannock at a glance
- Population: 2,187 (US Census Bureau, Vintage 2023 subcounty estimate), the 91st-largest of 227 places in Virginia.
- 2020 Census base: 2,191 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down roughly 0.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Virginia places: 91st of the state's 227 Census places (US Census Bureau).
- Size percentile: ahead of around 60% of Virginia places in population terms (US Census Bureau).
- Coordinates: latitude 37.9124, longitude -76.8660 (US Census Bureau Gazetteer).
- Nearest larger cities: West Point, VA (25 mi); Colonial Beach, VA (25 mi); Leonardtown, MD (30 mi); Ashland, VA (35 mi); Richmond, VA (42 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Warsaw, VA (7 mi); Montross, VA (13 mi); Urbanna, VA (25 mi), per US Census Bureau estimates.
What a personal loan costs in Tappahannock
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.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Virginia lending rules that apply in Tappahannock
The table lists the Virginia rules that apply to a loan made in Tappahannock, each with the regulator that published it.
| 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 Tappahannock
Before you share your details with a lender in Tappahannock:
- 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.