Personal loans in Wells River, VT

With roughly 451 residents, Wells River is a small community, and the lending rules its borrowers live under are written in Vermont, not by the city. Census figures put the 2020-to-2023 increase in Wells River at about 3.4%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Wells River is home to roughly 451 people and stands 31st by size out of 40 Census places in Vermont. Verify the lender's Vermont licence against the regulator named below before borrowing in Wells River. To lend to Wells River's 451 residents, a company must hold a Vermont licence, and each sourced row below names the regulator behind it. Borrowers who want a bigger city can look to Newbury, VT about 5 miles away.

The Wells River data picture

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

Borrowing reach in Wells River

At roughly 239 people per square mile, Wells River is lightly settled; 12 larger places lie within 50 miles. What is available to Wells River's 451 borrowers is set by Vermont licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Newbury, VT about 5 miles away.

The anatomy of a Wells River personal loan

A Wells River personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 451 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Wells River. Because the payment is fixed, the total cost of a Wells River loan is knowable in advance — unlike a revolving card balance.

The geography behind Wells River

Wells River's land area is about 1.9 square miles; a further 0.04 square miles is water. Spread across it are roughly 239 residents per square mile. For the state's biggest city, Burlington, the distance is roughly 62 miles. A 50-mile radius around Wells River takes in 12 places that are larger. Within the same 50 miles lie 4 smaller Census places.

Where Wells River sits in Vermont

Wells River is the 31st-largest of 40 Census places in Vermont and contains about 0.3% of the state's people. On the 2020-to-2023 trend, Wells River stands 4th among Vermont's 40 places — roughly the 90th percentile. At about 239 people per square mile, Wells River is the 34th most densely settled place in Vermont. By land area, its 1.9 square miles rank 14th of 40 places in Vermont.

The state rulebook for Wells River

For the roughly 451 residents of Wells River, the rules below are Vermont's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorVermont Department of Financial Regulation (DFR), Banking Division
Source says: The Banking Division regulates the below listed non-depository financial services.
Vermont Department of Financial Regulation (DFR)
as of 2026-09-16
Small-loan / installment lender licensingLender license required from the Commissioner (8 V.S.A. ch. 73, § 2201)
Source says: Without first obtaining a license under this chapter from the Commissioner, a person shall not
Vermont General Assembly (Vermont Statutes Online)
as of 2026-09-16
Maximum legal interest rate (usury cap)12% per annum general legal rate; 18% permitted for certain single-payment loans by regulated lenders (9 V.S.A. § 41a)
Source says: the rate of interest or the sum allowed for forbearance or use of money shall be 12 percent per annum computed by the actuarial method
Vermont General Assembly (Vermont Statutes Online)
as of 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Wells River if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Wells River is the same as anywhere in Vermont.
What loan size can I expect in Wells River?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Wells River?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Wells River cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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