Personal loans in Fredericksburg, VA

Fredericksburg: population, trend and location

Two layers matter for a Fredericksburg borrower: the local population picture and Virginia's consumer-lending statutes.

• Population: about 28,928, ranked 19th of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
• Population trend: About 3.4% above the 2020 Census base.
• Absolute change: 955 residents added between 2020 and 2023.
• Size percentile: bigger than about 92% of the places in Virginia, with 28,928 residents in Fredericksburg.
• Land and density: 10.4 square miles of land carry roughly 2,768 residents per square mile.
• Land area: Fredericksburg covers 10.4 square miles, the 27th-largest area among Virginia's 227 places.
• Water area: Fredericksburg has 0.07 square miles of water, ranking 47th of 227 places in Virginia.
• Share of state population: Fredericksburg's 28,928 residents are about 0.9% of Virginia.
• National rank: Fredericksburg sits 1,356th by population among the 19,457 places in this dataset.
• Growth rank: Fredericksburg ranks 26th among Virginia's 227 places for the 2020-to-2023 change.
• Against the state trend: Fredericksburg's 3.4% change compares with a Virginia average of -0.0% across its 227 places.
• Density rank: Fredericksburg is the 22nd most densely settled place in Virginia.
• Against the state median: Fredericksburg runs about 2,768 residents per square mile, where the Virginia median is 823.
• Location: latitude 38.2993, longitude -77.4867 (Census Gazetteer).
• Nearest larger cities: Manassas (31 mi); Alexandria (42 mi); Washington (49 mi); Richmond (53 mi); Leesburg (56 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities close by: Port Royal (18 mi); Bowling Green (19 mi); Quantico (19 mi), each with its own Census population profile.
• Within a 50-mile radius: 36 smaller Census places.
• Within 100 miles: 18 places are larger than Fredericksburg.

The state rulebook for Fredericksburg

Virginia has no separate rate rule for Fredericksburg; the sourced rows below are what reach every lender that serves its 28,928 people.

How Fredericksburg compares across Virginia

Set beside Virginia's 227 places, Fredericksburg ranks 19th by population and holds about 0.9% of the state total. On the 2020-to-2023 trend, Fredericksburg stands 26th among Virginia's 227 places — roughly the 89th percentile. By density, at about 2,768 people per square mile, it ranks 22nd in Virginia. In land area, Fredericksburg ranks 27th among Virginia's 227 places.

The anatomy of a Fredericksburg personal loan

In Fredericksburg, a smaller city of about 28,928, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Fredericksburg's rank of 19th in Virginia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Fredericksburg loan is knowable in advance — unlike a revolving card balance.

Borrowing reach in Fredericksburg

With about 2,768 residents per square mile, Fredericksburg is fairly dense, and 3 larger Census places sit within 50 miles. A Virginia licence lets a lender serve Fredericksburg without a local office, so branch density does not change what its 28,928 residents are offered. For a larger market, the closest option is Manassas, VA about 31 miles away.

Land, water and location for Fredericksburg

The Census Gazetteer records 10.4 square miles of land and 0.07 square miles of water within Fredericksburg. With 28,928 residents, the land area yields roughly 2,768 people per square mile. For the state's biggest city, Virginia Beach, the distance is roughly 132 miles. Within 50 miles of Fredericksburg there are 3 larger Census places. Within the same 50 miles lie 36 smaller Census places.