Personal loans in Floyd, VA

The Census estimates 449 residents in Floyd, which ranks it 176th of 227 places in Virginia. Compare APR, not the interest rate, because the APR folds in most fees on a Floyd loan. From the 2020 Census base to the 2023 estimate, the population rose by about 0.9%. A larger market lies at Christiansburg, VA about 16 miles away.

The Floyd data picture

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

• Population: about 449, ranked 176th of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 0.9% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 4 residents.
• Size percentile: Floyd's 449 people outrank roughly 22% of the places in Virginia.
• Population density: about 985 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Floyd covers 0.5 square miles, the 198th-largest area among Virginia's 227 places.
• Within Virginia: about 0.0% of the state's population lives in Floyd.
• National rank: Floyd sits 13,606th by population among the 19,457 places in this dataset.
• Growth rank: Floyd's 2020-to-2023 change ranks 73rd of 227 places in Virginia.
• State comparison: Virginia's places average -0.0% for 2020-to-2023, against Floyd's 0.9%.
• Density rank: Floyd is the 92nd most densely settled place in Virginia.
• Density in context: Floyd's 985 people per square mile sit against a Virginia median of 823.
• Location: the Census Gazetteer records it at 36.9122, -80.3181.
• Nearest larger cities: Christiansburg (16 mi); Stuart (19 mi); Radford (20 mi); Blacksburg (23 mi); Dublin (24 mi). Online lenders reach Floyd no matter how far the nearest branch is.
• Nearest smaller towns: Boones Mill (25 mi); Danbury (35 mi); Fries (39 mi).
• Within a 50-mile radius: 7 smaller Census places.
• At 100 miles: 181 larger Census places fall inside that radius.

Floyd against the rest of Virginia

Floyd is the 176th-largest of 227 Census places in Virginia and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 73rd of 227 Virginia places, putting it near the 68th percentile for growth. At about 985 people per square mile, Floyd is the 92nd most densely settled place in Virginia. By land area, its 0.5 square miles rank 198th of 227 places in Virginia.

A pre-application checklist for Floyd

A sensible order of operations for a loan in Floyd, home to about 449 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Virginia regulator's licence list.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Floyd-specific: the same Virginia licensing and disclosure rules reach all 449 residents.

Floyd on the map

Floyd's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. With 449 residents, the land area yields roughly 985 people per square mile. The largest place in Virginia, Virginia Beach, lies about 237 miles away. A 50-mile radius around Floyd takes in 34 places that are larger. Within the same 50 miles lie 7 smaller Census places.

The anatomy of a Floyd personal loan

Most loans made to Floyd's 449 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Floyd's 449 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Floyd loan is knowable in advance — unlike a revolving card balance.

What Virginia law requires in Floyd

This table holds the Virginia rate and licensing rules for consumer loans made to Floyd's 449 residents.