Urbanna at a glance
- Population: roughly 503 people; 168th of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 491 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 2.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Virginia places: 168th of 227 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 26% of Virginia's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 37.6399, -76.5751 in the US Census Bureau Gazetteer.
- Nearest larger cities: Kilmarnock, VA (12 mi); West Point, VA (14 mi); Warsaw, VA (24 mi); Tappahannock, VA (25 mi); Williamsburg, VA (27 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Irvington, VA (9 mi); White Stone, VA (10 mi); Montross, VA (34 mi), per US Census Bureau estimates.
What a personal loan costs in Urbanna
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Virginia lending rules that apply in Urbanna
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Urbanna
A few practical steps will make the process in Urbanna less costly:
- 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.