Personal loans in Duffield, VA

In Duffield, one of 227 Census places in Virginia, the figure to compare across lenders is the APR, not the advertised rate. Roughly 70 residents live in Duffield, the 226th-largest community in Virginia.

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.

Population in Duffield dropped about 1.4% over the three years from 2020 to 2023. Compare APR, not the interest rate, because the APR folds in most fees on a Duffield loan. The nearest larger metro is Big Stone Gap, VA about 10 miles away. To lend to Duffield's 70 residents, a company must hold a Virginia licence, and each sourced row below names the regulator behind it.

What the Census records for Duffield

Most of what governs a Duffield loan is written in Virginia law rather than in the city; the sourced notes below make that split concrete.

The state rulebook for Duffield

Every row below records a Virginia rule, its publisher and its retrieval date — the same rules a Duffield lender must follow.

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
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 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

Duffield in state context

Against Virginia's other places, Duffield accounts for about 0.0% of the state's population and ranks 226th of 227 by size. On the 2020-to-2023 trend, Duffield stands 158th among Virginia's 227 places — roughly the 30th percentile. Its roughly 114 residents per square mile place it 223rd among Virginia's places. Between 2020 and 2023 the count changed by roughly 1 residents.

Steps to take before a Duffield loan

Before you hand your details to a lender in Duffield, where the population is near 70:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the lender holds a Virginia licence by checking the regulator named above.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

The process is identical across Virginia; what changes is your credit file, not the fact that Duffield holds 70 people.

Duffield on the map

Duffield covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 114 residents per square mile. Virginia Beach, the largest place in Virginia, is about 375 miles from Duffield. Within 50 miles of Duffield there are 61 larger Census places. The 100-mile radius contains 229 larger places.

What shapes a Duffield personal loan

Most loans made to Duffield's 70 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Duffield lender to disclose the APR and finance charge before you sign. The term you choose in Duffield decides the split between a comfortable payment and the total interest you pay.

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

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