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.
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.
- Population: a Census-estimated 70, 226th among Virginia's 227 places (Vintage 2023).
- Population trend: A loss of roughly 1.4% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
- Size percentile: roughly 0% of Virginia places rank below Duffield.
- Density: the Census land area of 0.6 sq mi holds about 114 people per square mile.
- Land area rank: Duffield's 0.6 square miles rank 189th of 227 places in Virginia.
- Within Virginia: about 0.0% of the state's population lives in Duffield.
- Nationally: Duffield is the 18,651st-largest of 19,457 Census places in the dataset.
- Growth rank: Duffield ranks 158th among Virginia's 227 places for the 2020-to-2023 change.
- State comparison: Virginia's places average -0.0% for 2020-to-2023, against Duffield's 1.4%.
- Density in Virginia: Duffield ranks 223rd by people per square mile.
- Against the state median: Duffield runs about 114 residents per square mile, where the Virginia median is 823.
- Location: mapped by the US Census Bureau at 36.7196, -82.7960.
- Nearest larger cities: Big Stone Gap (10 mi); Mount Carmel (13 mi); Gate City (13 mi); Appalachia (13 mi); Pennington Gap (14 mi). Larger metros often have more branches, but online lenders reach Duffield on the same terms.
- Smaller towns nearby: Clinchport (4 mi); Blaine (90 mi); Fontana Dam (106 mi).
- Smaller neighbours: 1 places smaller than Duffield sit within 50 miles.
- Within 100 miles: 229 places are larger than Duffield.
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.
| 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 |
| 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 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 |
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:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the lender holds a Virginia licence by checking the regulator named above.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- 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.
Common questions
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Does comparing loans in Duffield cost me credit score points?
Nearby places
- Clinchport, VA — population 62
- Big Stone Gap, VA — population 5,114
- Appalachia, VA — population 1,387
- Mount Carmel, TN — population 5,556
- Church Hill, TN — population 7,232
- Gate City, VA — population 2,023
- Pennington Gap, VA — population 1,577
- Weber City, VA — population 1,238