Personal loans in Urbanna, VA

The trend for Urbanna between 2020 and 2023 is upward by roughly 2.4%. When Virginia caps or restricts a product, lenders either change the terms or withdraw it from Urbanna as from the rest of the state. Read the disclosure for an origination fee and any prepayment penalty before signing in Urbanna. The next larger city is Kilmarnock, VA about 12 miles away.

Local context for Urbanna

What follows is Urbanna's place in the Census record, alongside the Virginia rules that govern a personal loan made here.

• Population: about 503, ranked 168th of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
• Population trend: Higher by roughly 2.4% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 12 residents.
• Size percentile: about 26% of Virginia's Census places are smaller than Urbanna.
• Population density: about 1,105 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Urbanna ranks 199th among Virginia's 227 places, at 0.5 sq mi.
• Water area: Urbanna has 0.09 square miles of water, ranking 41st of 227 places in Virginia.
• Share of state population: Urbanna's 503 residents are about 0.0% of Virginia.
• National rank: Urbanna sits 13,144th by population among the 19,457 places in this dataset.
• Growth rank: Urbanna ranks 43rd among Virginia's 227 places for the 2020-to-2023 change.
• Against the state trend: Urbanna's 2.4% change compares with a Virginia average of -0.0% across its 227 places.
• Density rank: Urbanna places 78th among Virginia's places by people per square mile.
• Against the state median: Urbanna runs about 1,105 residents per square mile, where the Virginia median is 823.
• Location: 37.6399 / -76.5751, per the US Census Bureau Gazetteer.
• Nearest larger cities: Kilmarnock (12 mi); West Point (14 mi); Warsaw (24 mi); Tappahannock (25 mi); Williamsburg (27 mi). Online lenders reach Urbanna no matter how far the nearest branch is.
• Nearest smaller towns: Irvington (9 mi); White Stone (10 mi); Montross (34 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 14 smaller Census places.
• Larger places within 100 miles: 147.

How lenders reach Urbanna

Urbanna is moderately settled, with about 1,105 people per square mile and 22 larger places within 50 miles. A Virginia licence lets a lender serve Urbanna without a local office, so branch density does not change what its 503 residents are offered. The nearest larger city, Kilmarnock, VA about 12 miles away.

How personal loans work in Urbanna

Most loans made to Urbanna's 503 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Urbanna lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Urbanna loan but raises total interest, so the smallest payment is not the cheapest loan.

Land, water and location for Urbanna

Urbanna's land area is about 0.5 square miles; a further 0.09 square miles is water. That land carries about 1,105 people per square mile. For the state's biggest city, Virginia Beach, the distance is roughly 67 miles. A 50-mile radius around Urbanna takes in 22 places that are larger. Within the same 50 miles lie 14 smaller Census places.

The Urbanna borrowing checklist

For Urbanna's roughly 503 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Virginia licence with the regulator listed on this page.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Virginia; what changes is your credit file, not the fact that Urbanna holds 503 people.

Virginia rules behind a Urbanna personal loan

Every row below records a Virginia rule, its publisher and its retrieval date — the same rules a Urbanna lender must follow.