Personal loans in Pound, VA
In Pound, one of 227 Census places in Virginia, the figure to compare across lenders is the APR, not the advertised rate. From the 2020 Census base to the 2023 estimate, the population declined by about 2.9%.
Pound ranks 142nd of 227 places in Virginia, with a population near 844. Judge Pound offers on total cost, not on how quickly the money arrives. Every figure below is Virginia's own, applied to Pound's 844 residents, with the publisher and retrieval date attached. The nearest larger metro is Jenkins, KY about 4 miles away.
Local context for Pound
The figures below are Pound's own — Census population, land area and coordinates — followed by the Virginia rules.
- Population: the Census counts 844 residents in Pound (Vintage 2023 subcounty estimate), the 142nd-largest figure among Virginia's 227 places.
- Population trend: A drop of about 2.9% from 2020 to 2023.
- Net change: roughly 25 fewer people than the 2020 Census counted.
- Size percentile: Pound sits ahead of around 37% of Virginia places, at 844 people.
- Population density: about 324 people per square mile (Census land area 2.6 sq mi).
- By land area: Pound ranks 100th among Virginia's 227 places, at 2.6 sq mi.
- Within Virginia: about 0.0% of the state's population lives in Pound.
- National rank: Pound sits 10,954th by population among the 19,457 places in this dataset.
- Growth rank: Pound's 2020-to-2023 change ranks 201st of 227 places in Virginia.
- Against the state trend: Pound's 2.9% change compares with a Virginia average of -0.0% across its 227 places.
- Density rank: Pound places 200th among Virginia's places by people per square mile.
- Against the state median: Pound runs about 324 residents per square mile, where the Virginia median is 823.
- Location: the Census Gazetteer records it at 37.1261, -82.6073.
- Nearest larger cities: Jenkins (4 mi); Clintwood (8 mi); Wise (10 mi); Whitesburg (12 mi); Norton (13 mi). Online lenders reach Pound no matter how far the nearest branch is.
- Smaller towns nearby: Fleming-Neon (7 mi); Clinchco (14 mi); Wheelwright (16 mi).
- Smaller places within 50 miles: 27 of them.
- At 100 miles: 147 larger Census places fall inside that radius.
Virginia consumer-lending rules applied in Pound
This table holds the Virginia rate and licensing rules for consumer loans made to Pound's 844 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Virginia 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 licensing | Consumer 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 |
What shapes a Pound personal loan
With roughly 844 residents, Pound is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Pound's 844 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Pound loan is knowable in advance — unlike a revolving card balance.
How lenders reach Pound
Pound is lightly settled, with about 324 people per square mile and 35 larger places within 50 miles. Whether Pound has a local branch or not, a Virginia-licensed lender can serve its 844 people online on the same terms. The nearest larger city, Jenkins, KY about 4 miles away.
A practical checklist for Pound borrowers
Before you apply in Pound, a community of about 844, work through these steps:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Test your amount and term in the personal loan calculator first.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Check the Virginia regulator's records to confirm the lender is licensed here.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
In Pound as elsewhere in Virginia, the written terms — not the advertisement — are what count for its 844 residents.
Pound in state context
Against Virginia's other places, Pound accounts for about 0.0% of the state's population and ranks 142nd of 227 by size. On the 2020-to-2023 trend, Pound stands 201st among Virginia's 227 places — roughly the 11th percentile. By density, at about 324 people per square mile, it ranks 200th in Virginia. Within 50 miles sit 27 smaller Census places, alongside the 35 that are larger.
Common questions
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Nearby places
- Jenkins, KY — population 1,791
- Fleming-Neon, KY — population 521
- Clintwood, VA — population 1,337
- Wise, VA — population 2,890
- Norton, VA — population 3,492
- Whitesburg, KY — population 1,658
- Coeburn, VA — population 1,562
- Wheelwright, KY — population 472