Personal loans in Hillsville, VA
Hillsville shed about 0.9% of its population between the 2020 base and the 2023 estimate. With 2,856 residents, Hillsville outranks about 63% of the communities in Virginia. Hillsville counts about 2,856 people, and what is genuinely local about borrowing here is limited — Virginia law does the governing. Compare APR, not the interest rate, because the APR folds in most fees on a Hillsville loan. When Virginia caps or restricts a product, lenders either change the terms or withdraw it from Hillsville as from the rest of the state. The next larger city is Galax, VA about 12 miles away.
Local context for Hillsville
The figures below are Hillsville's own — Census population, land area and coordinates — followed by the Virginia rules.
- Population: the Census counts 2,856 residents in Hillsville (Vintage 2023 subcounty estimate), the 84th-largest figure among Virginia's 227 places.
- Population trend: A drop of about 0.9% from 2020 to 2023.
- Net change: roughly 26 fewer people than the 2020 Census counted.
- Size percentile: about 63% of Virginia communities are smaller than Hillsville (2,856 residents).
- Population density: 293 people per square mile on 9.7 square miles of land.
- Land area rank: Hillsville's 9.7 square miles rank 33rd of 227 places in Virginia.
- Water area rank: Hillsville ranks 117th among Virginia's 227 places, with 0.01 sq mi.
- State population share: Hillsville accounts for about 0.1% of everyone in Virginia.
- National rank: Hillsville sits 6,427th by population among the 19,457 places in this dataset.
- Growth rank: Hillsville ranks 131st among Virginia's 227 places for the 2020-to-2023 change.
- Against the state trend: Hillsville's 0.9% change compares with a Virginia average of -0.0% across its 227 places.
- Density in Virginia: Hillsville ranks 205th by people per square mile.
- Density in context: Hillsville's 293 people per square mile sit against a Virginia median of 823.
- Location: the Census Gazetteer records it at 36.7616, -80.7367.
- Nearest larger cities: Galax (12 mi); Mount Airy (19 mi); Pulaski (20 mi); Wytheville (24 mi); Radford (27 mi). Larger metros often have more branches, but online lenders reach Hillsville on the same terms.
- Smaller communities close by: Fries (14 mi); Dublin (24 mi); Independence (25 mi), each with its own Census population profile.
- Smaller neighbours: 32 places smaller than Hillsville sit within 50 miles.
- At 100 miles: 99 larger Census places fall inside that radius.
Hillsville in state context
Hillsville is the 84th-largest of 227 Census places in Virginia and contains about 0.1% of the state's people. For population change between 2020 and 2023, Hillsville ranks 131st of 227 in Virginia (about the 42th percentile). By density, at about 293 people per square mile, it ranks 205th in Virginia. Within 50 miles sit 32 smaller Census places, alongside the 21 that are larger.
Where Hillsville sits
The Census Gazetteer records 9.7 square miles of land and 0.01 square miles of water within Hillsville. The resulting density is about 293 people per square mile. For the state's biggest city, Virginia Beach, the distance is roughly 261 miles. Hillsville has 21 larger places within a 50-mile radius. By land area it ranks 33rd of 227 Virginia places.
How lenders reach Hillsville
Hillsville is a lightly settled community of about 2,856 people, with 21 larger places inside a 50-mile radius. Whether Hillsville has a local branch or not, a Virginia-licensed lender can serve its 2,856 people online on the same terms. For a larger market, the closest option is Galax, VA about 12 miles away.
The state rulebook for Hillsville
For the roughly 2,856 residents of Hillsville, the rules below are Virginia's own; each row carries its publisher and retrieval date.
| 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 |
The anatomy of a Hillsville personal loan
Most loans made to Hillsville's 2,856 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Hillsville's rank of 84th in Virginia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Hillsville loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Galax, VA — population 6,717
- Fries, VA — population 444
- Mount Airy, NC — population 10,610
- Pulaski, VA — population 8,858
- Dublin, VA — population 2,663
- Dobson, NC — population 1,463
- Radford, VA — population 16,971
- Wytheville, VA — population 8,172