Bloxom at a glance
- Population: 378 people, the 183rd-largest place among Virginia's 227 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 381 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.8% since the 2020 count (US Census Bureau).
- Rank among Virginia places: 183rd largest of 227 (US Census Bureau).
- Size percentile: roughly 19% of Virginia's places have fewer residents (US Census Bureau).
- Coordinates: 37.8292, -75.6214 (US Census Bureau Gazetteer).
- Nearest larger cities: Parksley, VA (3 mi); Accomac, VA (8 mi); Onancock, VA (11 mi); Onley, VA (11 mi); Melfa, VA (14 mi); US Census Bureau population estimates.
- Nearest smaller communities: Hallwood, VA (4 mi); Saxis, VA (9 mi); Wachapreague, VA (16 mi), each a US Census place.
What a personal loan costs in Bloxom
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Virginia lending rules that apply in Bloxom
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bloxom
Before you share your details with a lender in Bloxom:
- 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.