Personal loans in Waverly, VA

Roughly 1,942 residents live in Waverly, the 100th-largest community in Virginia. The nearest larger city is Petersburg, VA about 20 miles away. Rate ceilings, licensing requirements and product limits for Waverly are all set at the Virginia level. For a community of about 1,942, the practical step is to compare APR across at least three lenders before committing.

Waverly: population, trend and location

Set out below is Waverly's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 1,942 residents in Waverly (Vintage 2023 subcounty estimate), the 100th-largest figure among Virginia's 227 places.
• Population trend: A decline of about 0.6% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a loss of about 12 residents.
• Size percentile: with 1,942 residents, Waverly is larger than about 56% of Virginia's Census places.
• Land and density: 3.1 square miles of land carry roughly 629 residents per square mile.
• By land area: Waverly ranks 90th among Virginia's 227 places, at 3.1 sq mi.
• State share: roughly 0.1% of Virginia's residents live in Waverly (1,942 people).
• National rank: Waverly is 7,748th of 19,457 places nationwide.
• Growth in Virginia: Waverly stands 117th by percentage change from 2020 to 2023, among 227 places.
• Versus Virginia: the state average change is -0.0%, while Waverly moved 0.6%.
• Density rank: Waverly places 147th among Virginia's places by people per square mile.
• Density in context: Waverly's 629 people per square mile sit against a Virginia median of 823.
• Location: it lies at 37.0340, -77.0956 in the Census Gazetteer.
• Nearest larger cities: Petersburg (20 mi); Hopewell (21 mi); Colonial Heights (23 mi); Windsor (25 mi); Franklin (26 mi). A branch is convenient; it is not what sets your APR.
• Smaller places close by: Wakefield (7 mi); Dendron (9 mi); Ivor (14 mi).
• Within a 50-mile radius: 27 smaller Census places.
• Larger places within 100 miles: 49.

What to do before borrowing in Waverly

Before you apply in Waverly, a community of about 1,942, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Virginia regulator's licence records before you sign.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Waverly as elsewhere in Virginia, the written terms — not the advertisement — are what count for its 1,942 residents.

The state rulebook for Waverly

Below are the Virginia rules that apply to a loan made in Waverly, each with the regulator that issued it.

How Waverly compares across Virginia

Against Virginia's other places, Waverly accounts for about 0.1% of the state's population and ranks 100th of 227 by size. On the 2020-to-2023 trend, Waverly stands 117th among Virginia's 227 places — roughly the 48th percentile. At about 629 people per square mile, Waverly is the 147th most densely settled place in Virginia. By land area, its 3.1 square miles rank 90th of 227 places in Virginia.

Lender access in Waverly

Waverly is moderately settled, with about 629 people per square mile and 17 larger places within 50 miles. What is available to Waverly's 1,942 borrowers is set by Virginia licensing and your own credit, not by how many branches are nearby. The nearest larger city, Petersburg, VA about 20 miles away.

Land, water and location for Waverly

Waverly's land area is roughly 3.1 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 629 people per square mile. The largest place in Virginia, Virginia Beach, lies about 61 miles away. A 50-mile radius around Waverly takes in 17 places that are larger. Within the same 50 miles lie 27 smaller Census places.