Personal loans in Burlington, VT

Two households in Burlington with comparable incomes can still be offered different rates; the city's 44,528 residents are not the reason. Consumer lending that reaches Burlington's 44,528 residents is governed by Vermont statute; no city ordinance changes it. The Census counts 44,528 people in Burlington, the 1st-largest figure among Vermont's 40 places. Compare APR, not the interest rate, because the APR folds in most fees on a Burlington loan. The 2020 count to the 2023 estimate shows about 0.5% decline in Burlington. Being Vermont's biggest community, Burlington has no larger in-state city within range.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

What the Census records for Burlington

What follows is Burlington's place in the Census record, alongside the Vermont rules that govern a personal loan made here.

Getting a loan in Burlington

Burlington is fairly dense, with about 4,322 people per square mile and 0 larger places within 50 miles. Distance to a branch rarely matters for Burlington's 44,528 residents: the application is online and the price follows your credit file.

Where Burlington sits in Vermont

Within Vermont, Burlington holds roughly 28.7% of all residents, the 1st-largest share among 40 places. For population change between 2020 and 2023, Burlington ranks 20th of 40 in Vermont (about the 50th percentile). By density, at about 4,322 people per square mile, it ranks 2nd in Vermont. Between 2020 and 2023 the count changed by roughly 214 residents.

The geography behind Burlington

Inside Burlington's boundaries lie roughly 10.3 square miles of land and 5.05 square miles of water. That land carries about 4,322 people per square mile. Counting outward 50 miles, 0 larger communities surround Burlington. The 100-mile radius contains 0 larger places.

The Vermont lending rules that reach Burlington

This table holds the Vermont rate and licensing rules for consumer loans made to Burlington's 44,528 residents.

RuleDetailSource
State lending regulatorVermont Department of Financial Regulation (DFR), Banking Division
Source says: The Banking Division regulates the below listed non-depository financial services.
Vermont Department of Financial Regulation (DFR)
as of 2026-09-16
Maximum legal interest rate (usury cap)12% per annum general legal rate; 18% permitted for certain single-payment loans by regulated lenders (9 V.S.A. § 41a)
Source says: the rate of interest or the sum allowed for forbearance or use of money shall be 12 percent per annum computed by the actuarial method
Vermont General Assembly (Vermont Statutes Online)
as of 2026-09-16
Payday lending statusProhibited — payday loans (postdated check lending) are explicitly banned in Vermont
Source says: Payday loans (loans contingent on a postdated payment instrument) are explicitly banned.
Vermont Attorney General
as of 2026-09-16

What shapes a Burlington personal loan

A Burlington personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 44,528 residents. The APR tracks your credit score rather than Burlington's rank of 1st in Vermont: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Burlington loan is knowable in advance — unlike a revolving card balance.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Burlington if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Burlington is the same as anywhere in Vermont.
What loan size can I expect in Burlington?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Burlington?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Burlington cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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