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Personal loans in Belle Haven, VA

Borrowers in Belle Haven use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Census estimates count about 535 residents in Belle Haven, making it the 161st-largest of 227 places in Virginia. Lenders in Virginia work under state rate caps and licensing rules, each listed with its publisher in the table below.

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

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Belle Haven at a glance

  • Population: about 535, 161st by size in Virginia of 227 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 541 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: a decline of roughly 1.1% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Virginia places: 161st by size among 227 communities (US Census Bureau).
  • Size percentile: about 29% of Virginia's Census places are smaller (US Census Bureau).
  • Coordinates: 37.5547 latitude, -75.8238 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities (120-mile radius): Exmore, VA (2 mi); Onancock, VA (12 mi); Parksley, VA (19 mi); Cape Charles, VA (24 mi); Crisfield, MD (29 mi) (US Census Bureau).
  • Nearest smaller places: Painter, VA (3 mi); Keller, VA (6 mi); Nassawadox, VA (6 mi) (US Census Bureau estimates).

What a personal loan costs in Belle Haven

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.

The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.

If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.

Virginia lending rules that apply in Belle Haven

The table carries the Virginia rate and licensing rules that apply to consumer loans made in Belle Haven.

RuleDetailSource
State lending regulatorVirginia 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 statusLegal 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 licensingConsumer 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

How to compare offers in Belle Haven

The steps below are worth completing first when you borrow in Belle Haven:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Virginia using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Belle Haven?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Belle Haven are the same as elsewhere in Virginia.
How much can I borrow with a personal loan in Belle Haven?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Belle Haven require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Belle Haven hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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