Vienna at a glance
- Population: 16,306 — 33rd in Virginia, which has 227 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 16,476 (US Census Bureau).
- 2020 to 2023 change: about 1.0% below the 2020 Census base (US Census Bureau).
- Rank among Virginia places: 33rd of 227 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 85% of Virginia's Census places are smaller (US Census Bureau).
- Coordinates: 38.8986, -77.2583 (US Census Bureau Gazetteer).
- Nearest larger cities: Fairfax, VA (4 mi); Herndon, VA (9 mi); Alexandria, VA (11 mi); Washington, DC (13 mi); Manassas Park, VA (13 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Falls Church, VA (5 mi); Glen Echo, MD (8 mi); Somerset, MD (10 mi) (US Census Bureau).
What a personal loan costs in Vienna
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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 longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Vienna
Each row below is a Virginia rule with its publisher and the date it was retrieved.
| 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 Vienna
Run through this list before signing anything in Vienna:
- 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.