Personal loans in Coeburn, VA
Two households in Coeburn with comparable incomes can still be offered different rates; the city's 1,562 residents are not the reason. With an estimated 1,562 residents, Coeburn is the 109th-largest of 227 places in Virginia.
Work out your debt-to-income ratio first; lenders weigh it heavily, and Coeburn's 1,562 residents are no exception. Coeburn shed about 2.6% of its population between the 2020 base and the 2023 estimate. A single loan can carry different costs on either side of a state line, and Coeburn sits on the Virginia side of that line. The nearest larger metro is Wise, VA about 6 miles away.
Where Coeburn stands
Only a few things actually differ by place — population, area, location, and the Virginia rules a lender must follow — and they are below.
- Population: 1,562 — Coeburn ranks 109th of 227 communities in Virginia (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 2.6% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 41 residents.
- Size percentile: bigger than about 52% of the places in Virginia, with 1,562 residents in Coeburn.
- Population density: 801 people per square mile on 1.9 square miles of land.
- By land area: Coeburn ranks 127th among Virginia's 227 places, at 1.9 sq mi.
- Within Virginia: about 0.1% of the state's population lives in Coeburn.
- National rank: Coeburn is the 8,554th most populous of the 19,457 Census places covered here.
- Growth rank: Coeburn ranks 194th among Virginia's 227 places for the 2020-to-2023 change.
- Versus Virginia: the state average change is -0.0%, while Coeburn moved 2.6%.
- Density rank: Coeburn places 117th among Virginia's places by people per square mile.
- Density in context: Coeburn's 801 people per square mile sit against a Virginia median of 823.
- Location: mapped by the US Census Bureau at 36.9456, -82.4704.
- Nearest larger cities: Wise (6 mi); Norton (9 mi); Big Stone Gap (18 mi); Jenkins (18 mi); Gate City (22 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Dungannon (8 mi); St. Paul (9 mi); Nickelsville (14 mi), each with its own Census population profile.
- Smaller places within 50 miles: 36 of them.
- Within 100 miles: 104 places are larger than Coeburn.
What is available to Coeburn borrowers
At roughly 801 people per square mile, Coeburn is moderately settled; 29 larger places lie within 50 miles. What is available to Coeburn's 1,562 borrowers is set by Virginia licensing and your own credit, not by how many branches are nearby. The nearest larger city, Wise, VA about 6 miles away.
Coeburn against the rest of Virginia
Coeburn is the 109th-largest of 227 Census places in Virginia and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 194th of 227 Virginia places, putting it near the 15th percentile for growth. At about 801 people per square mile, Coeburn is the 117th most densely settled place in Virginia. Between 2020 and 2023 the count changed by roughly 41 residents.
Coeburn: area, density and distance
The Census Gazetteer records about 1.9 square miles of land within Coeburn, with no significant water area listed. The resulting density is about 801 people per square mile. For the state's biggest city, Virginia Beach, the distance is roughly 356 miles. Within 50 miles of Coeburn there are 29 larger Census places. By land area it ranks 127th of 227 Virginia places.
What a Coeburn borrower is actually offered
With roughly 1,562 residents, Coeburn is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Coeburn loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Coeburn loan is knowable in advance — unlike a revolving card balance.
Which Virginia laws govern a loan in Coeburn
Virginia has no separate rate rule for Coeburn; the sourced rows below are what reach every lender that serves its 1,562 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 |
| 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 |
| Payday lending status | Legal via licensed short-term lenders; interest capped at a 36% simple annual rate plus limited fees (Va. Code § 6.2-1817) Source says: Interest at a simple annual rate not to exceed 36 percent | Virginia General Assembly (Code of Virginia) as of 2026-09-16 |
Common questions
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Nearby places
- Wise, VA — population 2,890
- Dungannon, VA — population 254
- Norton, VA — population 3,492
- St. Paul, VA — population 838
- Nickelsville, VA — population 376
- Clintwood, VA — population 1,337
- Pound, VA — population 844
- Clinchco, VA — population 234