Personal loans in Buena Vista, VA
For a borrower among the roughly 6,566 residents of Buena Vista, a personal loan is a tool whose cost turns on the terms, not the address. Roughly 6,566 residents live in Buena Vista, the 55th-largest community in Virginia.
From the 2020 Census base to the 2023 estimate, the population declined by about 1.1%. Price two or three terms so you can see which payment is truly affordable in Buena Vista. The next larger city is Lexington, VA about 6 miles away. To lend to Buena Vista's 6,566 residents, a company must hold a Virginia licence, and each sourced row below names the regulator behind it.
Buena Vista: population, trend and location
Two layers matter for a Buena Vista borrower: the local population picture and Virginia's consumer-lending statutes.
- Population: 6,566 people, a figure that places Buena Vista 55th among the 227 Census places in Virginia (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 1.1% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 75 residents.
- Size percentile: about 76% of Virginia communities are smaller than Buena Vista (6,566 residents).
- Land and density: 6.4 square miles of land carry roughly 1,020 residents per square mile.
- Land area rank: Buena Vista's 6.4 square miles rank 53rd of 227 places in Virginia.
- Water area: Buena Vista has 0.09 square miles of water, ranking 40th of 227 places in Virginia.
- Share of state population: Buena Vista's 6,566 residents are about 0.2% of Virginia.
- National rank: Buena Vista is the 4,145th most populous of the 19,457 Census places covered here.
- Growth rank: Buena Vista's 2020-to-2023 change ranks 144th of 227 places in Virginia.
- Versus Virginia: the state average change is -0.0%, while Buena Vista moved 1.1%.
- Density in Virginia: Buena Vista ranks 86th by people per square mile.
- Density vs Virginia: Buena Vista's 1,020 people per square mile compare with a state median of 823.
- Location: the Census Gazetteer records it at 37.7293, -79.3581.
- Nearest larger cities: Lexington (6 mi); Lynchburg (25 mi); Bedford (28 mi); Staunton (34 mi); Waynesboro (34 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: Glasgow (9 mi); Amherst (20 mi); Goshen (20 mi).
- Smaller places within 50 miles: 19 of them.
- At 100 miles: 26 larger Census places fall inside that radius.
Buena Vista in state context
Set beside Virginia's 227 places, Buena Vista ranks 55th by population and holds about 0.2% of the state total. Its 2020-to-2023 change ranks 144th of 227 Virginia places, putting it near the 37th percentile for growth. Its roughly 1,020 residents per square mile place it 86th among Virginia's places. By land area, its 6.4 square miles rank 53rd of 227 places in Virginia.
What is available to Buena Vista borrowers
Buena Vista is moderately settled, with about 1,020 people per square mile and 8 larger places within 50 miles. Distance to a branch rarely matters for Buena Vista's 6,566 residents: the application is online and the price follows your credit file. The nearest bigger place is Lexington, VA about 6 miles away.
What to do before borrowing in Buena Vista
A sensible order of operations for a loan in Buena Vista, home to about 6,566 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Look the lender up in the Virginia regulator's licence records before you sign.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
- Pick the shortest term whose payment you can comfortably afford.
The process is identical across Virginia; what changes is your credit file, not the fact that Buena Vista holds 6,566 people.
What Virginia law requires in Buena Vista
For the roughly 6,566 residents of Buena Vista, the rules below are Virginia's own; each row carries its publisher and retrieval date.
| 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 |
Buena Vista: area, density and distance
The Census Gazetteer records 6.4 square miles of land and 0.09 square miles of water within Buena Vista. Spread across it are roughly 1,020 residents per square mile. The largest place in Virginia, Virginia Beach, lies about 194 miles away. A 50-mile radius around Buena Vista takes in 8 places that are larger. Within the same 50 miles lie 19 smaller Census places.
Common questions
What are my options in Buena Vista if my credit is poor?
What loan size can I expect in Buena Vista?
Do I have to pledge anything to borrow in Buena Vista?
Does comparing loans in Buena Vista cost me credit score points?
Nearby places
- Lexington, VA — population 7,528
- Glasgow, VA — population 1,037
- Goshen, VA — population 334
- Amherst, VA — population 2,113
- Craigsville, VA — population 910
- Lynchburg, VA — population 79,535
- Buchanan, VA — population 1,210
- Bedford, VA — population 6,777