Personal loans in Craigsville, VA

Lenders active in Craigsville report to a Virginia supervisor, identified in the sourced rows below. With an estimated 910 residents, Craigsville is the 140th-largest of 227 places in Virginia.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Craigsville counts about 910 people, and what is genuinely local about borrowing here is limited — Virginia law does the governing. Craigsville added about 0.8% to its population between the 2020 base and the 2023 estimate. Use the calculator on this page to price an amount and term before you commit in Craigsville. The closest larger place is Staunton, VA about 19 miles away.

What the Census records for Craigsville

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

Craigsville in state context

Set beside Virginia's 227 places, Craigsville ranks 140th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 76th of 227 Virginia places, putting it near the 67th percentile for growth. Its roughly 440 residents per square mile place it 176th among Virginia's places. By land area, its 2.1 square miles rank 120th of 227 places in Virginia.

The Craigsville borrowing checklist

A sensible order of operations for a loan in Craigsville, home to about 910 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Look the lender up in the Virginia regulator's licence records before you sign.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Craigsville-specific: the same Virginia licensing and disclosure rules reach all 910 residents.

The Virginia lending rules that reach Craigsville

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

RuleDetailSource
State lending regulatorVirginia 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
Payday lending statusLegal 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
Small-loan / installment lender licensingConsumer 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

The geography behind Craigsville

Craigsville covers about 2.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 440 people per square mile. For the state's biggest city, Virginia Beach, the distance is roughly 205 miles. A 50-mile radius around Craigsville takes in 18 places that are larger. The 100-mile radius contains 94 larger places.

What is available to Craigsville borrowers

At roughly 440 people per square mile, Craigsville is lightly settled; 18 larger places lie within 50 miles. What is available to Craigsville's 910 borrowers is set by Virginia licensing and your own credit, not by how many branches are nearby. The nearest larger city, Staunton, VA about 19 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Craigsville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Craigsville is the same as anywhere in Virginia.
What loan size can I expect in Craigsville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Craigsville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Craigsville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related