Bellows Falls at a glance
- Population: roughly 2,769 people; 10th of 40 places in Vermont (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 2,788 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.7% since the 2020 count (US Census Bureau).
- Rank among Vermont places: 10th out of 40 Census places (US Census Bureau).
- Size percentile: about 75% of places in Vermont are smaller (US Census Bureau).
- Coordinates: 43.1346 latitude, -72.4591 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Keene, NH (15 mi); Claremont, NH (19 mi); Lebanon, NH (36 mi); Greenfield, MA (37 mi); Rutland, VT (42 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Saxtons River, VT (3 mi); Westminster, VT (4 mi); Newfane, VT (14 mi) (US Census Bureau).
What a personal loan costs in Bellows Falls
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Vermont lending rules that apply in Bellows Falls
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 |
| 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 |
| Payday lending status | Prohibited — payday loans (postdated check lending) are explicitly banned in Vermont Source says: Payday loans (loans contingent on a postdated payment instrument) are explicitly banned. | Vermont Attorney General 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 |
How to compare offers in Bellows Falls
These steps are the ones that most affect the offer you receive in Bellows Falls:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Vermont using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.