Personal loans in Clarksville, VA
Clarksville counts about 1,302 people, and what is genuinely local about borrowing here is limited — Virginia law does the governing. Lenders active in Clarksville report to a Virginia supervisor, identified in the sourced rows below.
By population, Clarksville sits at 119th in Virginia, with an estimated 1,302 residents. Judge Clarksville offers on total cost, not on how quickly the money arrives. A 2020-to-2023 comparison shows Clarksville up by about 0.1%. A larger market lies at Chase City, VA about 14 miles away.
The Clarksville data picture
Most of what governs a Clarksville loan is written in Virginia law rather than in the city; the sourced notes below make that split concrete.
- Population: about 1,302, ranked 119th of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 0.1% since the 2020 count.
- Net change: roughly 1 more people than the 2020 Census counted.
- Size percentile: about 48% of Virginia's Census places are smaller than Clarksville.
- Density: the Census land area of 2.9 sq mi holds about 447 people per square mile.
- By land area: Clarksville ranks 96th among Virginia's 227 places, at 2.9 sq mi.
- Water area: Clarksville has 0.04 square miles of water, ranking 73rd of 227 places in Virginia.
- Within Virginia: about 0.0% of the state's population lives in Clarksville.
- National rank: Clarksville is the 9,256th most populous of the 19,457 Census places covered here.
- Growth rank: Clarksville ranks 88th among Virginia's 227 places for the 2020-to-2023 change.
- Against the state trend: Clarksville's 0.1% change compares with a Virginia average of -0.0% across its 227 places.
- Density in Virginia: Clarksville ranks 175th by people per square mile.
- Density in context: Clarksville's 447 people per square mile sit against a Virginia median of 823.
- Location: coordinates 36.6182, -78.5645 (US Census Bureau Gazetteer).
- Nearest larger cities: Chase City (14 mi); South Boston (20 mi); Oxford (21 mi); Henderson (22 mi); South Hill (25 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Boydton (10 mi); Stovall (12 mi); Virgilina (13 mi).
- Within a 50-mile radius: 29 smaller Census places.
- Within 100 miles: 126 places are larger than Clarksville.
Clarksville's place among Virginia's 227 places
Among Virginia's 227 places, Clarksville sits at 119th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Clarksville ranks 88th of 227 in Virginia (about the 61th percentile). At about 447 people per square mile, Clarksville is the 175th most densely settled place in Virginia. Within 50 miles sit 29 smaller Census places, alongside the 21 that are larger.
Inside a Clarksville personal loan
Clarksville is a small community of about 1,302 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Clarksville's rank of 119th in Virginia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Clarksville loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Clarksville
Virginia has no separate rate rule for Clarksville; the sourced rows below are what reach every lender that serves its 1,302 people.
| 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 |
Getting a loan in Clarksville
Clarksville is lightly settled, with about 447 people per square mile and 21 larger places within 50 miles. What is available to Clarksville's 1,302 borrowers is set by Virginia licensing and your own credit, not by how many branches are nearby. The nearest larger city, Chase City, VA about 14 miles away.
Land, water and location for Clarksville
Clarksville's land area is about 2.9 square miles; a further 0.04 square miles is water. The resulting density is about 447 people per square mile. Virginia Beach, the largest place in Virginia, is about 141 miles from Clarksville. Counting outward 50 miles, 21 larger communities surround Clarksville. The 100-mile radius contains 126 larger places.
Common questions
What are my options in Clarksville if my credit is poor?
What loan size can I expect in Clarksville?
Do I have to pledge anything to borrow in Clarksville?
Does comparing loans in Clarksville cost me credit score points?
Nearby places
- Stovall, NC — population 344
- Boydton, VA — population 299
- Chase City, VA — population 2,052
- Virgilina, VA — population 120
- Scottsburg, VA — population 126
- Oxford, NC — population 8,972
- Middleburg, NC — population 103
- Henderson, NC — population 14,857