Warrenton at a glance
- Population: the Census estimates 10,210 residents, ranking 39th of 227 places in Virginia (Vintage 2023).
- 2020 Census base: 10,056 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 1.5% since the 2020 count (US Census Bureau).
- Rank among Virginia places: 39th by size among 227 communities (US Census Bureau).
- Size percentile: roughly 83% of places in Virginia rank below it by population (US Census Bureau).
- Coordinates: 38.7178, -77.7973 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Manassas, VA (17 mi); Manassas Park, VA (19 mi); Culpeper, VA (20 mi); Front Royal, VA (25 mi); Herndon, VA (28 mi) (US Census Bureau populations).
- Nearest smaller communities: The Plains, VA (10 mi); Haymarket, VA (11 mi); Remington, VA (13 mi), each a US Census place.
What a personal loan costs in Warrenton
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Virginia lending rules that apply in Warrenton
The table carries the Virginia rate and licensing rules that apply to consumer loans made in Warrenton.
| 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 Warrenton
Before you share your details with a lender in Warrenton:
- 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.