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%.
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.
- Population: a Census-estimated 451, 31st among Vermont's 40 places (Vintage 2023).
- Population trend: Growth of about 3.4% across the 2020-to-2023 comparison.
- Net change: roughly 15 more people than the 2020 Census counted.
- Size percentile: bigger than about 22% of the places in Vermont, with 451 residents in Wells River.
- Population density: 239 people per square mile on 1.9 square miles of land.
- Land area rank: Wells River's 1.9 square miles rank 14th of 40 places in Vermont.
- Water area rank: Wells River ranks 15th among Vermont's 40 places, with 0.04 sq mi.
- Within Vermont: about 0.3% of the state's population lives in Wells River.
- National rank: Wells River is 13,597th of 19,457 places nationwide.
- Growth in Vermont: Wells River stands 4th by percentage change from 2020 to 2023, among 40 places.
- State comparison: Vermont's places average -0.1% for 2020-to-2023, against Wells River's 3.4%.
- Density in Vermont: Wells River ranks 34th by people per square mile.
- Density in context: Wells River's 239 people per square mile sit against a Vermont median of 874.
- Location: latitude 44.1565, longitude -72.0680 (Census Gazetteer).
- Nearest larger cities: Newbury (5 mi); Barre (22 mi); Lyndonville (26 mi); Montpelier (26 mi); Lebanon (37 mi). Online lenders reach Wells River no matter how far the nearest branch is.
- Smaller towns nearby: Marshfield (19 mi); West Burke (34 mi); Hyde Park (41 mi).
- Within a 50-mile radius: 4 smaller Census places.
- Within 100 miles: 61 places are larger than Wells River.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Vermont 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 licensing | Lender 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 |
Common questions
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Nearby places
- Newbury, VT — population 458
- Marshfield, VT — population 265
- Lyndonville, VT — population 1,211
- Barre, VT — population 8,387
- West Burke, VT — population 277
- Montpelier, VT — population 7,991
- Lebanon, NH — population 15,342
- Barton, VT — population 726