Middleburg at a glance
- Population: 676 — 154th in Virginia, which has 227 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 672 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 0.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Virginia places: 154th-largest of 227 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 32% of the Census places in Virginia (US Census Bureau).
- Coordinates: 38.9703 / -77.7406, per the US Census Bureau Gazetteer.
- Nearest larger cities: Round Hill, VA (11 mi); Purcellville, VA (12 mi); Haymarket, VA (12 mi); Leesburg, VA (14 mi); Warrenton, VA (18 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: The Plains, VA (8 mi); Hamilton, VA (12 mi); Hillsboro, VA (16 mi) (US Census Bureau estimates).
What a personal loan costs in Middleburg
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Middleburg
The table carries the Virginia rate and licensing rules that apply to consumer loans made in Middleburg.
| 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 Middleburg
A few practical steps will make the process in Middleburg less costly:
- 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.