Dendron at a glance
- Population: 255, the 200th-largest community in Virginia out of 227 (US Census Bureau, Vintage 2023).
- 2020 Census base: 253 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 0.8% growth over the 2020 Census base (US Census Bureau).
- Rank among Virginia places: 200th by size among 227 communities (US Census Bureau).
- Size percentile: it is larger than about 12% of the places in Virginia (US Census Bureau).
- Coordinates: latitude 37.0364, longitude -76.9241 (US Census Bureau Gazetteer).
- Nearest larger cities: Wakefield, VA (6 mi); Waverly, VA (9 mi); Ivor, VA (9 mi); Claremont, VA (13 mi); Smithfield, VA (18 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Surry, VA (9 mi); Stony Creek, VA (27 mi); Capron, VA (27 mi) — US Census Bureau populations.
What a personal loan costs in Dendron
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Dendron
Read the table as the compliance picture for a lender serving Dendron: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dendron
Run through this list before signing anything in Dendron:
- 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.