Personal loans in Middleburg, VA
A single loan can carry different costs on either side of a state line, and Middleburg sits on the Virginia side of that line.
For a borrower among the roughly 676 residents of Middleburg, a personal loan is a tool whose cost turns on the terms, not the address. With 676 residents, Middleburg outranks about 32% of the communities in Virginia. The trend for Middleburg between 2020 and 2023 is upward by roughly 0.6%. Judge Middleburg offers on total cost, not on how quickly the money arrives. The closest larger city is Round Hill, VA about 11 miles away.
Middleburg: the sourced local profile
Set out below is Middleburg's local context next to the state-level rules that reach every lender here.
- Population: 676 — Middleburg ranks 154th of 227 communities in Virginia (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 0.6% since the 2020 count.
- Net change: roughly 4 more people than the 2020 Census counted.
- Size percentile: about 32% of Virginia communities are smaller than Middleburg (676 residents).
- Land and density: 1.0 square miles of land carry roughly 652 residents per square mile.
- By land area: Middleburg ranks 157th among Virginia's 227 places, at 1.0 sq mi.
- State population share: Middleburg accounts for about 0.0% of everyone in Virginia.
- National rank: Middleburg is the 11,942nd most populous of the 19,457 Census places covered here.
- Growth in Virginia: Middleburg stands 80th by percentage change from 2020 to 2023, among 227 places.
- Versus Virginia: the state average change is -0.0%, while Middleburg moved 0.6%.
- Density in Virginia: Middleburg ranks 142nd by people per square mile.
- Against the state median: Middleburg runs about 652 residents per square mile, where the Virginia median is 823.
- Location: 38.9703, -77.7406 (Census Gazetteer coordinates).
- Nearest larger cities: Round Hill (11 mi); Purcellville (12 mi); Haymarket (12 mi); Leesburg (14 mi); Warrenton (18 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: The Plains (8 mi); Hamilton (12 mi); Hillsboro (16 mi).
- Within a 50-mile radius: 24 smaller Census places.
- At 100 miles: 221 larger Census places fall inside that radius.
What a Middleburg borrower is actually offered
Middleburg is a small community of about 676 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Middleburg's rank of 154th 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 Middleburg loan but raises total interest, so the smallest payment is not the cheapest loan.
How Middleburg compares across Virginia
Middleburg is the 154th-largest of 227 Census places in Virginia and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 80th of 227 Virginia places, putting it near the 65th percentile for growth. Its roughly 652 residents per square mile place it 142nd among Virginia's places. In land area, Middleburg ranks 157th among Virginia's 227 places.
Borrowing reach in Middleburg
With about 652 residents per square mile, Middleburg is moderately settled, and 86 larger Census places sit within 50 miles. A Virginia licence lets a lender serve Middleburg without a local office, so branch density does not change what its 676 residents are offered. The nearest bigger place is Round Hill, VA about 11 miles away.
Which Virginia laws govern a loan in Middleburg
Virginia has no separate rate rule for Middleburg; the sourced rows below are what reach every lender that serves its 676 people.
| 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 |
| 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 |
| 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 |
Where Middleburg sits
The Census Gazetteer records about 1.0 square miles of land within Middleburg, with no significant water area listed. The resulting density is about 652 people per square mile. The largest place in Virginia, Virginia Beach, lies about 178 miles away. Counting outward 50 miles, 86 larger communities surround Middleburg. The 100-mile radius contains 221 larger places.
Common questions
What are my options in Middleburg if my credit is poor?
What loan size can I expect in Middleburg?
Do I have to pledge anything to borrow in Middleburg?
Does comparing loans in Middleburg cost me credit score points?
Nearby places
- The Plains, VA — population 252
- Round Hill, VA — population 687
- Purcellville, VA — population 8,924
- Hamilton, VA — population 607
- Haymarket, VA — population 1,570
- Leesburg, VA — population 49,312
- Hillsboro, VA — population 112
- Warrenton, VA — population 10,210