Personal loans in Colonial Beach, VA

Borrowers who want a bigger city can look to La Plata, MD about 19 miles away. A 2020-to-2023 comparison shows Colonial Beach up by about 2.5%. Every figure below is Virginia's own, applied to Colonial Beach's 4,003 residents, with the publisher and retrieval date attached. Read the disclosure for an origination fee and any prepayment penalty before signing in Colonial Beach.

Colonial Beach by the numbers

Colonial Beach is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: about 4,003, ranked 71st of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is positive, near 2.5%.
• People gained or lost: about 97 more since the 2020 base.
• Size percentile: with 4,003 residents, Colonial Beach is larger than about 69% of Virginia's Census places.
• Land and density: 2.4 square miles of land carry roughly 1,635 residents per square mile.
• Land area rank: Colonial Beach's 2.4 square miles rank 107th of 227 places in Virginia.
• Water: Colonial Beach holds about 0.33 square miles, the 17th-largest water area in Virginia.
• State share: roughly 0.1% of Virginia's residents live in Colonial Beach (4,003 people).
• National rank: Colonial Beach sits 5,455th by population among the 19,457 places in this dataset.
• Growth rank: Colonial Beach's 2020-to-2023 change ranks 41st of 227 places in Virginia.
• State comparison: Virginia's places average -0.0% for 2020-to-2023, against Colonial Beach's 2.5%.
• Density rank: Colonial Beach places 49th among Virginia's places by people per square mile.
• Density in context: Colonial Beach's 1,635 people per square mile sit against a Virginia median of 823.
• Location: the Census Gazetteer records it at 38.2644, -76.9937.
• Nearest larger cities: La Plata (19 mi); Leonardtown (19 mi); Indian Head (25 mi); Fredericksburg (27 mi); Dumfries (27 mi). Lenders licensed in the state serve Colonial Beach whether or not they keep a local branch.
• Smaller places nearby: Port Royal (13 mi); Montross (15 mi); Port Tobacco Village (17 mi).
• Within a 50-mile radius: 33 smaller Census places.
• Within 100 miles: 87 places are larger than Colonial Beach.

What shapes a Colonial Beach personal loan

A Colonial Beach personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,003 residents. The APR tracks your credit score rather than Colonial Beach's rank of 71st in Virginia: 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 Colonial Beach loan is knowable in advance — unlike a revolving card balance.

The geography behind Colonial Beach

Colonial Beach's land area is about 2.4 square miles; a further 0.33 square miles is water. Spread across it are roughly 1,635 residents per square mile. The state's population centre of gravity, Virginia Beach, is roughly 115 miles away. Counting outward 50 miles, 25 larger communities surround Colonial Beach. The 100-mile radius contains 87 larger places.

Colonial Beach against the rest of Virginia

Set beside Virginia's 227 places, Colonial Beach ranks 71st by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Colonial Beach ranks 41st of 227 in Virginia (about the 82th percentile). At about 1,635 people per square mile, Colonial Beach is the 49th most densely settled place in Virginia. By land area, its 2.4 square miles rank 107th of 227 places in Virginia.

Steps to take before a Colonial Beach loan

Complete these steps first when you borrow in Colonial Beach (4,003 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Make sure the lender appears in the Virginia regulator's licence list.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Make sure the new payment leaves room in a budget you already keep.

None of these steps is Colonial Beach-specific: the same Virginia licensing and disclosure rules reach all 4,003 residents.

The Virginia lending rules that reach Colonial Beach

Virginia has no separate rate rule for Colonial Beach; the sourced rows below are what reach every lender that serves its 4,003 people.