Virgilina at a glance
- Population: about 120, 222nd by size in Virginia of 227 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 124 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 3.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Virginia places: 222nd out of 227 Census places (US Census Bureau).
- Size percentile: about 2% of Virginia's Census places are smaller (US Census Bureau).
- Coordinates: latitude 36.5457, longitude -78.7752 (US Census Bureau Gazetteer).
- Nearest larger cities: Clarksville, VA (13 mi); Stovall, NC (13 mi); South Boston, VA (14 mi); Scottsburg, VA (15 mi); Roxboro, NC (15 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Middleburg, NC (27 mi); Macon, NC (39 mi); Leggett, NC (77 mi) (US Census Bureau).
What a personal loan costs in Virgilina
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Virginia lending rules that apply in Virgilina
The sourced rows below are the rules a licensed lender must follow when lending in Virginia, and therefore in Virgilina.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Virgilina
These steps are the ones that most affect the offer you receive in Virgilina:
- 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.