Personal loans in Fincastle, VA
If you are weighing a personal loan in Fincastle, start from the payment you can carry; its 766 residents face the same statewide rules. A lender that serves Fincastle operates under Virginia lending statutes and a Virginia supervisor.
An estimated 766 people make their home in Fincastle, a figure that ranks 149th in Virginia. Decide the purpose of the loan and your repayment plan before sharing any details with a Fincastle lender. From the 2020 Census base to the 2023 estimate, the population rose by about 0.9%. A larger market lies at Buchanan, VA about 10 miles away.
Local context for Fincastle
Set out below is Fincastle's local context next to the state-level rules that reach every lender here.
- Population: a Census-estimated 766, 149th among Virginia's 227 places (Vintage 2023).
- Population trend: Growth of about 0.9% across the 2020-to-2023 comparison.
- Net change: roughly 7 more people than the 2020 Census counted.
- Size percentile: about 34% of Virginia's Census places are smaller than Fincastle.
- Density: roughly 374 residents per square mile, spread over 2.0 sq mi of land.
- By land area: Fincastle ranks 122nd among Virginia's 227 places, at 2.0 sq mi.
- Within Virginia: about 0.0% of the state's population lives in Fincastle.
- National rank: Fincastle sits 11,376th by population among the 19,457 places in this dataset.
- Growth rank: Fincastle ranks 72nd among Virginia's 227 places for the 2020-to-2023 change.
- Versus Virginia: the state average change is -0.0%, while Fincastle moved 0.9%.
- Density in Virginia: Fincastle ranks 190th by people per square mile.
- Against the state median: Fincastle runs about 374 residents per square mile, where the Virginia median is 823.
- Location: the Census Gazetteer records it at 37.5016, -79.8748.
- Nearest larger cities: Buchanan (10 mi); Vinton (16 mi); Roanoke (16 mi); Salem (18 mi); Covington (20 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Troutville (6 mi); New Castle (13 mi); Iron Gate (21 mi).
- Within a 50-mile radius: 9 smaller Census places.
- Within 100 miles: 111 places are larger than Fincastle.
The state rulebook for Fincastle
When Virginia does not publish a figure, the row links to the source instead of inventing a number; Fincastle is bound by the same rules.
| 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 |
Fincastle on the map
The Census Gazetteer records about 2.0 square miles of land within Fincastle, with no significant water area listed. The resulting density is about 374 people per square mile. Virginia Beach, the largest place in Virginia, is about 218 miles from Fincastle. A 50-mile radius around Fincastle takes in 26 places that are larger. Within the same 50 miles lie 9 smaller Census places.
Fincastle in state context
Against Virginia's other places, Fincastle accounts for about 0.0% of the state's population and ranks 149th of 227 by size. On the 2020-to-2023 trend, Fincastle stands 72nd among Virginia's 227 places — roughly the 68th percentile. At about 374 people per square mile, Fincastle is the 190th most densely settled place in Virginia. In land area, Fincastle ranks 122nd among Virginia's 227 places.
What a Fincastle borrower is actually offered
In Fincastle, a small community of about 766, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Fincastle can be quoted different APRs on the same amount and term. The term you choose in Fincastle decides the split between a comfortable payment and the total interest you pay.
What is available to Fincastle borrowers
Fincastle is a lightly settled community of about 766 people, with 26 larger places inside a 50-mile radius. Lenders licensed in Virginia reach Fincastle's 766 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Buchanan, VA about 10 miles away.
Common questions
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Does comparing loans in Fincastle cost me credit score points?
Nearby places
- Troutville, VA — population 468
- Buchanan, VA — population 1,210
- Vinton, VA — population 8,046
- New Castle, VA — population 121
- Roanoke, VA — population 97,171
- Salem, VA — population 25,600
- Covington, VA — population 5,545
- Iron Gate, VA — population 308