South Burlington at a glance
- Population: the Census estimates 21,043 residents, ranking 2nd of 40 places in Vermont (Vintage 2023).
- 2020 Census base: 20,280 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 3.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Vermont places: 2nd out of 40 Census places (US Census Bureau).
- Size percentile: ahead of around 95% of Vermont places in population terms (US Census Bureau).
- Coordinates: 44.4365 / -73.1826, per the US Census Bureau Gazetteer.
- Nearest larger cities: Burlington, VT (5 mi); Saratoga Springs, NY (99 mi); Keene, NH (111 mi); Concord, NH (116 mi); Schenectady, NY (119 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Winooski, VT (4 mi); Essex Junction, VT (5 mi); Vergennes, VT (19 mi), per US Census Bureau estimates.
What a personal loan costs in South Burlington
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Vermont lending rules that apply in South Burlington
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 South Burlington
Run through this list before signing anything in South Burlington:
- 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.