Personal loans in Dungannon, VA

The trend for Dungannon between 2020 and 2023 is downward by roughly 0.4%. The first question in Dungannon is not the rate on offer but whether the payment fits; about 254 people live here under Virginia lending law.

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.

Dungannon ranks 202nd of 227 places in Virginia, with a population near 254. The nearest larger city is Nickelsville, VA about 6 miles away. Consumer lending that reaches Dungannon's 254 residents is governed by Virginia statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Dungannon.

The Dungannon data picture

Read the local figures below as context; read the sourced Virginia table as the rulebook a lender here must follow.

The Virginia lending rules that reach Dungannon

Virginia has no separate rate rule for Dungannon; the sourced rows below are what reach every lender that serves its 254 people.

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
Small-loan / installment lender licensingConsumer 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
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

Steps to take before a Dungannon loan

Before you apply in Dungannon, a community of about 254, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Virginia regulator's licence records before you sign.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  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.

The process is identical across Virginia; what changes is your credit file, not the fact that Dungannon holds 254 people.

How a Dungannon personal loan is priced

Most loans made to Dungannon's 254 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Dungannon. Shortening the term on a Dungannon loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Dungannon

Dungannon is a moderately settled community of about 254 people, with 60 larger places inside a 50-mile radius. Lenders licensed in Virginia reach Dungannon's 254 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Nickelsville, VA about 6 miles away.

How Dungannon compares across Virginia

Within Virginia, Dungannon holds roughly 0.0% of all residents, the 202nd-largest share among 227 places. For population change between 2020 and 2023, Dungannon ranks 111th of 227 in Virginia (about the 51th percentile). Its roughly 711 residents per square mile place it 133rd among Virginia's places. Between 2020 and 2023 the count changed by roughly 1 residents.

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