Personal loans in Dayton, VA

Consumer lending that reaches Dayton's 1,740 residents is governed by Virginia statute; no city ordinance changes it. The Census counts 1,740 people in Dayton, the 103rd-largest figure among Virginia's 227 places. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Dayton loan. The 2020 count to the 2023 estimate shows about 3.0% growth in Dayton. For a bigger market, look to Bridgewater, VA about 2 miles away.

Dayton: the sourced local profile

The figures below are Dayton's own — Census population, land area and coordinates — followed by the Virginia rules.

• Population: the Census counts 1,740 residents in Dayton (Vintage 2023 subcounty estimate), the 103rd-largest figure among Virginia's 227 places.
• Population trend: A gain of roughly 3.0% between 2020 and 2023.
• Net change: roughly 51 more people than the 2020 Census counted.
• Size percentile: about 55% of Virginia's Census places are smaller than Dayton.
• Population density: 1,689 people per square mile on 1.0 square miles of land.
• Land area rank: Dayton's 1.0 square miles rank 159th of 227 places in Virginia.
• State population share: Dayton accounts for about 0.1% of everyone in Virginia.
• National rank: Dayton sits 8,143rd by population among the 19,457 places in this dataset.
• Growth rank: Dayton ranks 32nd among Virginia's 227 places for the 2020-to-2023 change.
• Against the state trend: Dayton's 3.0% change compares with a Virginia average of -0.0% across its 227 places.
• Density rank: Dayton places 48th among Virginia's places by people per square mile.
• Density vs Virginia: Dayton's 1,689 people per square mile compare with a state median of 823.
• Location: 38.4173 / -78.9411, per the US Census Bureau Gazetteer.
• Nearest larger cities: Bridgewater (2 mi); Harrisonburg (4 mi); Grottoes (12 mi); Broadway (15 mi); Timberville (17 mi). Living near a larger metro rarely changes what is available in Dayton.
• Nearest smaller towns: Mount Crawford (4 mi); Franklin (26 mi); Stanley (26 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 16 of them.
• Larger places within 100 miles: 79.

A practical checklist for Dayton borrowers

Before you hand your details to a lender in Dayton, where the population is near 1,740:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the Virginia licence with the regulator named above before committing.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

None of these steps is Dayton-specific: the same Virginia licensing and disclosure rules reach all 1,740 residents.

How lenders reach Dayton

Dayton is moderately settled, with about 1,689 people per square mile and 17 larger places within 50 miles. Distance to a branch rarely matters for Dayton's 1,740 residents: the application is online and the price follows your credit file. The nearest larger city, Bridgewater, VA about 2 miles away.

What Virginia law requires in Dayton

This table holds the Virginia rate and licensing rules for consumer loans made to Dayton's 1,740 residents.

Land, water and location for Dayton

Inside Dayton's boundaries lie about 1.0 square miles of land, with no significant water area recorded. Spread across it are roughly 1,689 residents per square mile. The state's population centre of gravity, Virginia Beach, is roughly 195 miles away. A 50-mile radius around Dayton takes in 17 places that are larger. By land area it ranks 159th of 227 Virginia places.

The anatomy of a Dayton personal loan

With roughly 1,740 residents, Dayton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Dayton's 1,740 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Dayton loan is knowable in advance — unlike a revolving card balance.