Personal Loans in Virginia
Here's what fees you can expect when obtaining online personal loans in Virginia:
| Personal loan lending status in Virginia: |
Legal |
| Maximum loan amount in Virginia: |
$300 to $35,000 (Va. Code 6.2-1520) |
| APR cap: |
36% per annum on the unpaid principal balance, no add-on interest, plus a loan processing fee of the greater of $50 or 6% of the principal, never more than $150 (Va. Code 6.2-1520) |
| Minimum loan term: |
6 months (at least six substantially equal payments) |
| Maximum loan term: |
120 months |
| State Regulator: |
Virginia Bureau of Financial Institutions (SCC)
|
Table Data Updated: October 2026.
Above you can see what fees you can expect when obtaining online personal loans in Virginia.
Personal Loan Locations in Virginia
ACE Cash Express
4.9★★★★☆(915 reviews)
7452 Tidewater Dr, Norfolk, VA 23505, USA
ACE Cash Express
4.9★★★★☆(699 reviews)
617d E Belt Blvd, Richmond, VA 23224, USA
Omni Military Loans
4.9★★★★☆(637 reviews)
131 W Little Creek Rd, Norfolk, VA 23505, USA
ACE Cash Express
4.9★★★★☆(516 reviews)
1333 Poindexter St #2, Chesapeake, VA 23324, USA
ACE Cash Express
4.8★★★★☆(487 reviews)
1496 Lynnhaven Pkwy STE 101, Virginia Beach, VA 23453, USA
ACE Cash Express
4.9★★★★☆(422 reviews)
6672 Indian River Rd, Virginia Beach, VA 23464, USA
ACE Cash Express
4.9★★★★☆(281 reviews)
6040 E Virginia Beach Blvd, Norfolk, VA 23502, USA
Regional Finance
5.0★★★★★(241 reviews)
780 Lynnhaven Pkwy Suite 270, Virginia Beach, VA 23452, USA
Mariner Finance
4.8★★★★☆(164 reviews)
5802 E Virginia Beach Blvd #121, Norfolk, VA 23502, USA
Mariner Finance
4.8★★★★☆(102 reviews)
829 Lynnhaven Pkwy #119, Virginia Beach, VA 23452, USA
No locations found for that city. Show all
A personal loan in Virginia is a fixed-amount loan from banks, credit unions, and online lenders. Loan amounts vary widely and repay in fixed monthly installments.
Personal loans give you a lump sum upfront and a clear repayment schedule. They are commonly used for debt consolidation, home improvement, medical bills, and major purchases.
Why Compare Personal Loan Lenders in Virginia
- See several offers instantly – get rates from top lenders serving Virginia without applying to each one separately
- Soft check only at comparison stage – the matching process does not affect your credit
- See the full cost upfront – know exactly what you are paying before you commit
- From good to fair credit – we work with lenders for a range of credit scores
- No fees from MaybeLoan – lenders pay us, not you
The Application Process
The process is fully online – no branch visits required.
- Step 1: Enter your basic information – name, address, income, and desired loan amount
- Step 2: See your offers – lenders serving Virginia review your profile
- Step 3: Pick your loan – select the offer that fits your budget
- Step 4: Get funded – once approved, funds are deposited directly to your bank account
Personal Loan Requirements in Virginia
Virginia residents typically need to meet these basic criteria:
- 18 years of age or older
- U.S. citizen or permanent resident
- Active checking account in your name
- Steady employment, self-employment, or benefits
- SSN required for identity and credit verification
Credit score requirements vary by lender. Prime lenders typically look for 660+. MaybeLoan works with lenders across the credit spectrum.
What to Expect
Personal loan APRs in Virginia typically range from about 6% to 36%. Borrowers with excellent credit (720+) often qualify for rates under 10%.
MaybeLoan makes it easy to see multiple offers side by side so you can find the best rate available to you in Virginia.
FAQ - Personal Loans in Virginia
Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.
