Personal loans in Appomattox, VA
A personal loan in Appomattox is priced from your credit file and income, not from the fact that the city holds 1,992 people.
To lend to Appomattox's 1,992 residents, a company must hold a Virginia licence, and each sourced row below names the regulator behind it. Appomattox ranks 99th of 227 places in Virginia, with a population near 1,992. Rate-shopping from Appomattox costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A 2020-to-2023 comparison shows Appomattox up by about 4.1%. The nearest larger city is Amherst, VA about 20 miles away.
Appomattox: the sourced local profile
Most of what governs a Appomattox loan is written in Virginia law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 1,992 residents, 99th of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
- Population trend: About 4.1% above the 2020 Census base.
- Absolute change: 79 residents added between 2020 and 2023.
- Size percentile: about 56% of Virginia's Census places are smaller than Appomattox.
- Population density: about 897 people per square mile across 2.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Appomattox's 2.2 square miles rank 113th of 227 places in Virginia.
- Share of state population: Appomattox's 1,992 residents are about 0.1% of Virginia.
- National standing: Appomattox ranks 7,642nd of 19,457 US places.
- Growth in Virginia: Appomattox stands 20th by percentage change from 2020 to 2023, among 227 places.
- Against the state trend: Appomattox's 4.1% change compares with a Virginia average of -0.0% across its 227 places.
- Density rank: Appomattox places 105th among Virginia's places by people per square mile.
- Density in context: Appomattox's 897 people per square mile sit against a Virginia median of 823.
- Location: coordinates 37.3587, -78.8264 (US Census Bureau Gazetteer).
- Nearest larger cities: Amherst (20 mi); Lynchburg (20 mi); Farmville (24 mi); Altavista (30 mi); Bedford (38 mi). Lenders licensed in the state serve Appomattox whether or not they keep a local branch.
- Smaller towns nearby: Pamplin City (10 mi); Phenix (20 mi); Brookneal (23 mi).
- Smaller places within 50 miles: 18 of them.
- Larger places within 100 miles: 76.
Appomattox: area, density and distance
Appomattox covers about 2.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 1,992 residents, the land area yields roughly 897 people per square mile. Virginia Beach, the largest place in Virginia, is about 159 miles from Appomattox. Appomattox has 12 larger places within a 50-mile radius. Within the same 50 miles lie 18 smaller Census places.
Inside a Appomattox personal loan
Most loans made to Appomattox's 1,992 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Appomattox's rank of 99th in Virginia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Appomattox loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Appomattox
These are Virginia's sourced lending facts as they reach Appomattox's 1,992 residents; the state has no city-level rate rule.
| 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 |
| 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 |
Borrowing reach in Appomattox
At roughly 897 people per square mile, Appomattox is moderately settled; 12 larger places lie within 50 miles. A Virginia licence lets a lender serve Appomattox without a local office, so branch density does not change what its 1,992 residents are offered. The nearest larger city, Amherst, VA about 20 miles away.
Appomattox in state context
Among Virginia's 227 places, Appomattox sits at 99th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 20th of 227 Virginia places, putting it near the 91th percentile for growth. At about 897 people per square mile, Appomattox is the 105th most densely settled place in Virginia. Within 50 miles sit 18 smaller Census places, alongside the 12 that are larger.
Common questions
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Nearby places
- Pamplin City, VA — population 145
- Phenix, VA — population 228
- Amherst, VA — population 2,113
- Brookneal, VA — population 1,078
- Charlotte Court House, VA — population 498
- Lynchburg, VA — population 79,535
- Dillwyn, VA — population 441
- Drakes Branch, VA — population 518