Berryville at a glance
- Population: about 4,782, 68th by size in Virginia of 227 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,580 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 4.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Virginia places: 68th by size among 227 communities (US Census Bureau).
- Size percentile: about 70% of Virginia's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 39.1477, -77.9802 by the US Census Bureau Gazetteer.
- Nearest larger cities: Charles Town, WV (10 mi); Winchester, VA (11 mi); Ranson, WV (12 mi); Purcellville, VA (14 mi); Front Royal, VA (19 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Boyce, VA (6 mi); Round Hill, VA (11 mi); Stephens City, VA (13 mi) (US Census Bureau estimates).
What a personal loan costs in Berryville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Virginia lending rules that apply in Berryville
Read the table as the compliance picture for a lender serving Berryville: label, sourced figure, publisher and 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 |
| Small-loan / installment lender licensing | Consumer 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 Berryville
These steps are the ones that most affect the offer you receive in Berryville:
- 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 Virginia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.