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%.
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.
- Population: the Census counts 240 residents in Clifton (Vintage 2023 subcounty estimate), the 204th-largest figure among Virginia's 227 places.
- Population trend: A loss of roughly 1.6% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
- Size percentile: with 240 residents, Clifton is larger than about 10% of Virginia's Census places.
- Population density: about 980 people per square mile (Census land area 0.2 sq mi).
- By land area: Clifton ranks 216th among Virginia's 227 places, at 0.2 sq mi.
- Within Virginia: about 0.0% of the state's population lives in Clifton.
- National standing: Clifton ranks 15,892nd of 19,457 US places.
- Growth rank: Clifton ranks 167th among Virginia's 227 places for the 2020-to-2023 change.
- Against the state trend: Clifton's 1.6% change compares with a Virginia average of -0.0% across its 227 places.
- Density rank: Clifton places 93rd among Virginia's places by people per square mile.
- Density vs Virginia: Clifton's 980 people per square mile compare with a state median of 823.
- Location: 38.7801, -77.3860 (Census Gazetteer coordinates).
- Nearest larger cities: Manassas Park (3 mi); Manassas (6 mi); Fairfax (7 mi); Occoquan (10 mi); Vienna (11 mi). Online lenders reach Clifton no matter how far the nearest branch is.
- Nearest smaller places: Port Tobacco Village (27 mi); Barnesville (31 mi); Brookeville (33 mi).
- Within a 50-mile radius: 8 smaller Census places.
- Within 100 miles: 269 places are larger than Clifton.
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.
| 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 |
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.
Common questions
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Nearby places
- Manassas Park, VA — population 16,361
- Manassas, VA — population 42,696
- Fairfax, VA — population 25,144
- Occoquan, VA — population 1,047
- Vienna, VA — population 16,306
- Herndon, VA — population 24,935
- Dumfries, VA — population 5,916
- Falls Church, VA — population 14,685