Personal loans in McKenney, VA
Two households in McKenney with comparable incomes can still be offered different rates; the city's 460 residents are not the reason.
For the 460 people in McKenney, Virginia runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Roughly 460 residents live in McKenney, the 174th-largest community in Virginia. Rate-shopping from McKenney costs nothing at pre-qualification, where a soft pull leaves your credit file alone. McKenney gained roughly 1.3% in population across the 2020-to-2023 comparison. The closest larger place is Blackstone, VA about 17 miles away.
McKenney by the numbers
McKenney is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 460, 174th among Virginia's 227 places (Vintage 2023).
- Population trend: Growth of about 1.3% across the 2020-to-2023 comparison.
- People gained or lost: about 6 more since the 2020 base.
- Size percentile: bigger than about 23% of the places in Virginia, with 460 residents in McKenney.
- Population density: about 496 people per square mile (Census land area 0.9 sq mi).
- By land area: McKenney ranks 164th among Virginia's 227 places, at 0.9 sq mi.
- State share: roughly 0.0% of Virginia's residents live in McKenney (460 people).
- National rank: McKenney sits 13,514th by population among the 19,457 places in this dataset.
- Growth rank: McKenney's 2020-to-2023 change ranks 64th of 227 places in Virginia.
- Against the state trend: McKenney's 1.3% change compares with a Virginia average of -0.0% across its 227 places.
- Density rank: McKenney places 167th among Virginia's places by people per square mile.
- Density in context: McKenney's 496 people per square mile sit against a Virginia median of 823.
- Location: 36.9854 / -77.7219, per the US Census Bureau Gazetteer.
- Nearest larger cities: Blackstone (17 mi); Lawrenceville (17 mi); Jarratt (18 mi); Emporia (22 mi); Kenbridge (23 mi). Larger metros often have more branches, but online lenders reach McKenney on the same terms.
- Nearest smaller towns: Alberta (13 mi); Stony Creek (18 mi); Brodnax (26 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 16 smaller Census places.
- Within 100 miles: 130 places are larger than McKenney.
How lenders reach McKenney
McKenney is a lightly settled community of about 460 people, with 31 larger places inside a 50-mile radius. Lenders licensed in Virginia reach McKenney's 460 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Blackstone, VA about 17 miles away.
McKenney in state context
McKenney is the 174th-largest of 227 Census places in Virginia and contains about 0.0% of the state's people. For population change between 2020 and 2023, McKenney ranks 64th of 227 in Virginia (about the 72th percentile). By density, at about 496 people per square mile, it ranks 167th in Virginia. Within 50 miles sit 16 smaller Census places, alongside the 31 that are larger.
Where McKenney sits
McKenney's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. That land carries about 496 people per square mile. For the state's biggest city, Virginia Beach, the distance is roughly 95 miles. Counting outward 50 miles, 31 larger communities surround McKenney. The 100-mile radius contains 130 larger places.
Virginia consumer-lending rules applied in McKenney
This table holds the Virginia rate and licensing rules for consumer loans made to McKenney's 460 residents.
| 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 |
How personal loans work in McKenney
With roughly 460 residents, McKenney is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than McKenney's rank of 174th in Virginia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a McKenney loan is knowable in advance — unlike a revolving card balance.
Common questions
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Nearby places
- Alberta, VA — population 296
- Lawrenceville, VA — population 1,001
- Blackstone, VA — population 3,336
- Jarratt, VA — population 635
- Stony Creek, VA — population 202
- Emporia, VA — population 5,463
- Petersburg, VA — population 33,309
- Kenbridge, VA — population 1,116