Personal loans in Galax, VA

The Census estimates 6,717 residents in Galax, which ranks it 54th of 227 places in Virginia. Read the disclosure for an origination fee and any prepayment penalty before signing in Galax. A single loan can carry different costs on either side of a state line, and Galax sits on the Virginia side of that line. The next larger city is Mount Airy, NC about 20 miles away.

Local context for Galax

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

• Population: 6,717 people, a figure that places Galax 54th among the 227 Census places in Virginia (US Census Bureau, Vintage 2023).
• Population trend: Down about 0.1% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 8 fewer people than the 2020 Census counted.
• Size percentile: bigger than about 76% of the places in Virginia, with 6,717 residents in Galax.
• Density: the Census land area of 8.2 sq mi holds about 816 people per square mile.
• Land area: Galax covers 8.2 square miles, the 41st-largest area among Virginia's 227 places.
• Water area: Galax has 0.04 square miles of water, ranking 68th of 227 places in Virginia.
• Share of Virginia: Galax holds about 0.2% of the state's population, some 6,717 people.
• Nationally: Galax is the 4,097th-largest of 19,457 Census places in the dataset.
• Growth rank: Galax's 2020-to-2023 change ranks 102nd of 227 places in Virginia.
• State comparison: Virginia's places average -0.0% for 2020-to-2023, against Galax's 0.1%.
• Density in Virginia: Galax ranks 116th by people per square mile.
• Density in context: Galax's 816 people per square mile sit against a Virginia median of 823.
• Location: 36.6656, -80.9143 (US Census Bureau Gazetteer).
• Nearest larger cities: Mount Airy (20 mi); Wytheville (22 mi); Pulaski (28 mi); Radford (37 mi); King (41 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities within reach: Fries (5 mi); Hillsville (12 mi); Independence (13 mi).
• Smaller places within 50 miles: 42 of them.
• Within 100 miles: 62 places are larger than Galax.

Land, water and location for Galax

Galax's land area is about 8.2 square miles; a further 0.04 square miles is water. The resulting density is about 816 people per square mile. For the state's biggest city, Virginia Beach, the distance is roughly 271 miles. Within 50 miles of Galax there are 9 larger Census places. Within the same 50 miles lie 42 smaller Census places.

Which Virginia laws govern a loan in Galax

This table holds the Virginia rate and licensing rules for consumer loans made to Galax's 6,717 residents.

Lender access in Galax

With about 816 residents per square mile, Galax is moderately settled, and 9 larger Census places sit within 50 miles. A Virginia licence lets a lender serve Galax without a local office, so branch density does not change what its 6,717 residents are offered. The nearest larger city, Mount Airy, NC about 20 miles away.

How Galax compares across Virginia

Against Virginia's other places, Galax accounts for about 0.2% of the state's population and ranks 54th of 227 by size. For population change between 2020 and 2023, Galax ranks 102nd of 227 in Virginia (about the 55th percentile). By density, at about 816 people per square mile, it ranks 116th in Virginia. Between 2020 and 2023 the count changed by roughly 8 residents.

How a Galax personal loan is priced

A Galax personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 6,717 residents. A lender serving Galax's 6,717 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Galax decides the split between a comfortable payment and the total interest you pay.