Toms Brook at a glance
- Population: about 280, 196th by size in Virginia of 227 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 274 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 2.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Virginia places: 196th-largest of 227 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 14% of the Census places in Virginia (US Census Bureau).
- Coordinates: 38.9465 / -78.4400, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Strasburg, VA (6 mi); Woodstock, VA (7 mi); Middletown, VA (10 mi); Edinburg, VA (11 mi); Front Royal, VA (14 mi) (US Census Bureau populations).
- Nearest smaller communities: Wardensville, WV (12 mi); Washington, VA (22 mi); The Plains, VA (36 mi) (Census populations).
What a personal loan costs in Toms Brook
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
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 Toms Brook
Read the table as the compliance picture for a lender serving Toms Brook: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Toms Brook
Here is a short checklist for comparing personal loans in Toms Brook:
- 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.