Personal loans in Madison, VA

Madison ranks 207th of 227 places in Virginia, with a population near 209. Every figure below is Virginia's own, applied to Madison's 209 residents, with the publisher and retrieval date attached. The 2020 count to the 2023 estimate shows about 1.5% growth in Madison. For a bigger market, look to Stanardsville, VA about 11 miles away.

Where Madison stands

Most of what governs a Madison loan is written in Virginia law rather than in the city; the sourced notes below make that split concrete.

• Population: about 209, ranked 207th of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
• Population trend: Higher by roughly 1.5% since the 2020 count.
• Absolute change: 3 residents added between 2020 and 2023.
• Size percentile: bigger than about 9% of the places in Virginia, with 209 residents in Madison.
• Population density: about 886 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Madison ranks 217th among Virginia's 227 places, at 0.2 sq mi.
• Share of Virginia: Madison holds about 0.0% of the state's population, some 209 people.
• National rank: Madison sits 16,340th by population among the 19,457 places in this dataset.
• Growth rank: Madison ranks 60th among Virginia's 227 places for the 2020-to-2023 change.
• State comparison: Virginia's places average -0.0% for 2020-to-2023, against Madison's 1.5%.
• Density rank: Madison places 108th among Virginia's places by people per square mile.
• Density vs Virginia: Madison's 886 people per square mile compare with a state median of 823.
• Location: it lies at 38.3794, -78.2586 in the Census Gazetteer.
• Nearest larger cities: Stanardsville (11 mi); Orange (12 mi); Culpeper (15 mi); Gordonsville (17 mi); Stanley (19 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Washington (24 mi); Port Royal (59 mi); Hillsboro (64 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 1 smaller Census places.
• At 100 miles: 199 larger Census places fall inside that radius.

Steps to take before a Madison loan

Before you hand your details to a lender in Madison, where the population is near 209:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Virginia regulator's licence list.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Madison-specific: the same Virginia licensing and disclosure rules reach all 209 residents.

How a Madison personal loan is priced

With roughly 209 residents, Madison is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Madison lender to disclose the APR and finance charge before you sign. Shortening the term on a Madison loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Madison sits in Virginia

Among Virginia's 227 places, Madison sits at 207th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Madison stands 60th among Virginia's 227 places — roughly the 74th percentile. At about 886 people per square mile, Madison is the 108th most densely settled place in Virginia. Between 2020 and 2023 the count changed by roughly 3 residents.

Getting a loan in Madison

With about 886 residents per square mile, Madison is moderately settled, and 37 larger Census places sit within 50 miles. A Virginia licence lets a lender serve Madison without a local office, so branch density does not change what its 209 residents are offered. The nearest bigger place is Stanardsville, VA about 11 miles away.

How Virginia law applies in Madison

The rows below set out what a licensed lender must follow in Virginia, and so for Madison's roughly 209 residents.