Personal loans in Dumfries, VA

The Dumfries data picture

The figures below are Dumfries's own — Census population, land area and coordinates — followed by the Virginia rules.

• Population: 5,916 people, a figure that places Dumfries 57th among the 227 Census places in Virginia (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 4.3% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 242 residents.
• Size percentile: roughly 75% of Virginia's places have fewer residents than Dumfries's 5,916.
• Population density: about 3,854 people per square mile (Census land area 1.5 sq mi).
• Land area rank: Dumfries's 1.5 square miles rank 135th of 227 places in Virginia.
• Water area rank: Dumfries ranks 99th among Virginia's 227 places, with 0.02 sq mi.
• Share of state population: Dumfries's 5,916 residents are about 0.2% of Virginia.
• National standing: Dumfries ranks 4,394th of 19,457 US places.
• Growth rank: Dumfries's 2020-to-2023 change ranks 18th of 227 places in Virginia.
• State comparison: Virginia's places average -0.0% for 2020-to-2023, against Dumfries's 4.3%.
• Density in Virginia: Dumfries ranks 12th by people per square mile.
• Density vs Virginia: Dumfries's 3,854 people per square mile compare with a state median of 823.
• Location: coordinates 38.5673, -77.3224 (US Census Bureau Gazetteer).
• Nearest larger cities: Manassas (15 mi); Manassas Park (15 mi); La Plata (19 mi); Fairfax (20 mi); Fredericksburg (21 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: Quantico (4 mi); Occoquan (9 mi); Indian Head (9 mi).
• Within a 50-mile radius: 53 smaller Census places.
• At 100 miles: 69 larger Census places fall inside that radius.

What Virginia law requires in Dumfries

This table holds the Virginia rate and licensing rules for consumer loans made to Dumfries's 5,916 residents.

How a Dumfries personal loan is priced

Dumfries is a small town of about 5,916 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Dumfries lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Dumfries loan is knowable in advance — unlike a revolving card balance.

Lender access in Dumfries

With about 3,854 residents per square mile, Dumfries is fairly dense, and 29 larger Census places sit within 50 miles. Distance to a branch rarely matters for Dumfries's 5,916 residents: the application is online and the price follows your credit file. The nearest bigger place is Manassas, VA about 15 miles away.

Dumfries in state context

Within Virginia, Dumfries holds roughly 0.2% of all residents, the 57th-largest share among 227 places. For population change between 2020 and 2023, Dumfries ranks 18th of 227 in Virginia (about the 92th percentile). Its roughly 3,854 residents per square mile place it 12th among Virginia's places. The population moved by about 242 people between 2020 and 2023, a 4.3% shift.

Before you apply in Dumfries

Complete these steps first when you borrow in Dumfries (5,916 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Look the lender up in the Virginia regulator's licence records before you sign.
5. Borrow only what the purpose requires, not the maximum you are offered.
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.

None of these steps is Dumfries-specific: the same Virginia licensing and disclosure rules reach all 5,916 residents.