Warsaw at a glance
- Population: 1,673 (US Census Bureau, Vintage 2023 subcounty estimate), the 105th-largest of 227 places in Virginia.
- 2020 Census base: the 2020 count put the population at 1,633 (US Census Bureau).
- 2020 to 2023 change: up about 2.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Virginia places: 105th in population of 227 places (US Census Bureau).
- Size percentile: ahead of around 54% of Virginia places in population terms (US Census Bureau).
- Coordinates: 37.9604 latitude, -76.7609 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Tappahannock, VA (7 mi); Colonial Beach, VA (25 mi); Leonardtown, MD (25 mi); West Point, VA (28 mi); Ashland, VA (41 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Montross, VA (10 mi); Urbanna, VA (24 mi); Kilmarnock, VA (27 mi) — US Census Bureau populations.
What a personal loan costs in Warsaw
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
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 Warsaw
The sourced rows below are the rules a licensed lender must follow when lending in Virginia, and therefore in Warsaw.
| 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 Warsaw
Here is a short checklist for comparing personal loans in Warsaw:
- 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.