Personal loans in Nassawadox, VA
With roughly 521 residents, Nassawadox is a small community, and the lending rules its borrowers live under are written in Virginia, not by the city.
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Nassawadox's 521 residents. By population, Nassawadox sits at 163rd in Virginia, with an estimated 521 residents. Pull your credit reports and line up at least three offers before you apply from Nassawadox. Census figures put the 2020-to-2023 decrease in Nassawadox at about 2.6%. The closest larger place is Exmore, VA about 4 miles away.
What the Census records for Nassawadox
Most of what governs a Nassawadox loan is written in Virginia law rather than in the city; the sourced notes below make that split concrete.
- Population: about 521, ranked 163rd of 227 places in Virginia (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 2.6% between 2020 and 2023.
- Net change: roughly 14 fewer people than the 2020 Census counted.
- Size percentile: roughly 28% of Virginia's places have fewer residents than Nassawadox's 521.
- Population density: about 787 people per square mile (Census land area 0.7 sq mi).
- By land area: Nassawadox ranks 182nd among Virginia's 227 places, at 0.7 sq mi.
- Share of Virginia: Nassawadox holds about 0.0% of the state's population, some 521 people.
- National standing: Nassawadox ranks 12,996th of 19,457 US places.
- Growth rank: Nassawadox's 2020-to-2023 change ranks 195th of 227 places in Virginia.
- State comparison: Virginia's places average -0.0% for 2020-to-2023, against Nassawadox's 2.6%.
- Density in Virginia: Nassawadox ranks 119th by people per square mile.
- Density in context: Nassawadox's 787 people per square mile sit against a Virginia median of 823.
- Location: the Census Gazetteer records it at 37.4763, -75.8592.
- Nearest larger cities: Exmore (4 mi); Belle Haven (6 mi); Onley (17 mi); Onancock (17 mi); Cape Charles (18 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Painter (9 mi); Eastville (10 mi); Keller (11 mi), each with its own Census population profile.
- Smaller neighbours: 14 places smaller than Nassawadox sit within 50 miles.
- Within 100 miles: 86 places are larger than Nassawadox.
Borrowing reach in Nassawadox
At roughly 787 people per square mile, Nassawadox is moderately settled; 16 larger places lie within 50 miles. Lenders licensed in Virginia reach Nassawadox's 521 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Exmore, VA about 4 miles away.
What to do before borrowing in Nassawadox
Before you hand your details to a lender in Nassawadox, where the population is near 521:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Use the loan calculator to test the payment on your intended amount and term.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Make sure the lender appears in the Virginia regulator's licence list.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
In Nassawadox as elsewhere in Virginia, the written terms — not the advertisement — are what count for its 521 residents.
Inside a Nassawadox personal loan
Most loans made to Nassawadox's 521 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Nassawadox can be quoted different APRs on the same amount and term. The term you choose in Nassawadox decides the split between a comfortable payment and the total interest you pay.
Virginia rules behind a Nassawadox personal loan
For the roughly 521 residents of Nassawadox, 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 |
Nassawadox on the map
The Census Gazetteer records about 0.7 square miles of land within Nassawadox, with no significant water area listed. That land carries about 787 people per square mile. The largest place in Virginia, Virginia Beach, lies about 49 miles away. Nassawadox has 16 larger places within a 50-mile radius. By land area it ranks 182nd of 227 Virginia places.
Common questions
What are my options in Nassawadox if my credit is poor?
What loan size can I expect in Nassawadox?
Do I have to pledge anything to borrow in Nassawadox?
Does comparing loans in Nassawadox cost me credit score points?
Nearby places
- Exmore, VA — population 1,431
- Belle Haven, VA — population 535
- Painter, VA — population 270
- Eastville, VA — population 295
- Keller, VA — population 141
- Melfa, VA — population 397
- Cheriton, VA — population 460
- Wachapreague, VA — population 255