Personal loans in Melfa, VA

Begin with the payment, then weigh APR and total interest across the lenders that reach Melfa's 397 residents. The 2020 count to the 2023 estimate shows about 0.3% decline in Melfa. A single loan can carry different costs on either side of a state line, and Melfa sits on the Virginia side of that line. For a bigger market, look to Onley, VA about 3 miles away.

Where Melfa stands

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

• Population: about 397 people live here, which puts Melfa 181st of 227 Census places in Virginia (Vintage 2023).
• Population trend: A drop of about 0.3% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
• Size percentile: about 20% of Virginia's Census places are smaller than Melfa.
• Density: the Census land area of 0.3 sq mi holds about 1,364 people per square mile.
• Land area: Melfa covers 0.3 square miles, the 212th-largest area among Virginia's 227 places.
• Within Virginia: about 0.0% of the state's population lives in Melfa.
• National rank: Melfa is the 14,128th most populous of the 19,457 Census places covered here.
• Growth in Virginia: Melfa stands 106th by percentage change from 2020 to 2023, among 227 places.
• Versus Virginia: the state average change is -0.0%, while Melfa moved 0.3%.
• Density rank: Melfa is the 62nd most densely settled place in Virginia.
• Against the state median: Melfa runs about 1,364 residents per square mile, where the Virginia median is 823.
• Location: latitude 37.6490, longitude -75.7407 (Census Gazetteer).
• Nearest larger cities: Onley (3 mi); Onancock (4 mi); Accomac (6 mi); Belle Haven (8 mi); Exmore (10 mi). Living near a larger metro rarely changes what is available in Melfa.
• Nearest smaller towns: Keller (2 mi); Wachapreague (4 mi); Painter (5 mi) — useful context for the surrounding area.
• Smaller neighbours: 8 places smaller than Melfa sit within 50 miles.
• At 100 miles: 98 larger Census places fall inside that radius.

Where Melfa sits

The Census Gazetteer records about 0.3 square miles of land within Melfa, with no significant water area listed. The resulting density is about 1,364 people per square mile. For the state's biggest city, Virginia Beach, the distance is roughly 62 miles. Melfa has 20 larger places within a 50-mile radius. The 100-mile radius contains 98 larger places.

Melfa in state context

Against Virginia's other places, Melfa accounts for about 0.0% of the state's population and ranks 181st of 227 by size. On the 2020-to-2023 trend, Melfa stands 106th among Virginia's 227 places — roughly the 53th percentile. By density, at about 1,364 people per square mile, it ranks 62nd in Virginia. In land area, Melfa ranks 212th among Virginia's 227 places.

The Melfa borrowing checklist

Complete these steps first when you borrow in Melfa (397 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Virginia licence by checking the regulator named above.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

What differs between Melfa and the rest of Virginia is not the process but the borrower's own file, among the 397 people here.

How personal loans work in Melfa

With roughly 397 residents, Melfa is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Melfa. The term you choose in Melfa decides the split between a comfortable payment and the total interest you pay.

Which Virginia laws govern a loan in Melfa

These are Virginia's sourced lending facts as they reach Melfa's 397 residents; the state has no city-level rate rule.