White Stone at a glance
- Population: 381, the 182nd-largest community in Virginia out of 227 (US Census Bureau, Vintage 2023).
- 2020 Census base: 384 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.8% lower than the 2020 Census base (US Census Bureau).
- Rank among Virginia places: the 182nd-largest of 227 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 20% of the Census places in Virginia (US Census Bureau).
- Coordinates: it sits at 37.6447, -76.3900 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Irvington, VA (2 mi); Kilmarnock, VA (5 mi); Urbanna, VA (10 mi); West Point, VA (23 mi); Tangier, VA (25 mi) (US Census Bureau populations).
- Smaller towns nearby: Eastville, VA (32 mi); Painter, VA (33 mi); Keller, VA (34 mi) (US Census Bureau).
What a personal loan costs in White Stone
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Virginia lending rules that apply in White Stone
Each row below is a Virginia rule with its publisher and the date it was retrieved.
| 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 White Stone
Run through this list before signing anything in White Stone:
- 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.