Personal loans in Clifton, VA

Two households in Clifton with comparable incomes can still be offered different rates; the city's 240 residents are not the reason. Census figures put the 2020-to-2023 decrease in Clifton at about 1.6%.

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.

The Census counts 240 people in Clifton, the 204th-largest figure among Virginia's 227 places. Pull your credit reports and line up at least three offers before you apply from Clifton. Consumer lending that reaches Clifton's 240 residents is governed by Virginia statute; no city ordinance changes it. The closest larger city is Manassas Park, VA about 3 miles away.

Where Clifton stands

Read the local figures below as context; read the sourced Virginia table as the rulebook a lender here must follow.

Borrowing reach in Clifton

Clifton is a moderately settled community of about 240 people, with 88 larger places inside a 50-mile radius. Lenders licensed in Virginia reach Clifton's 240 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Manassas Park, VA about 3 miles away.

What shapes a Clifton personal loan

In Clifton, a small community of about 240, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Clifton loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Clifton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The geography behind Clifton

The Census Gazetteer records about 0.2 square miles of land within Clifton, with no significant water area listed. The resulting density is about 980 people per square mile. Virginia Beach, the largest place in Virginia, is about 157 miles from Clifton. A 50-mile radius around Clifton takes in 88 places that are larger. The 100-mile radius contains 269 larger places.

How Virginia law applies in Clifton

For the roughly 240 residents of Clifton, the rules below are Virginia's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorVirginia 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 statusLegal 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 licensingConsumer 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

Clifton's place among Virginia's 227 places

Among Virginia's 227 places, Clifton sits at 204th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Clifton stands 167th among Virginia's 227 places — roughly the 26th percentile. Its roughly 980 residents per square mile place it 93rd among Virginia's places. Within 50 miles sit 8 smaller Census places, alongside the 88 that are larger.

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 Clifton 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 Clifton is the same as anywhere in Virginia.
What loan size can I expect in Clifton?
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 Clifton?
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 Clifton 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

Related