Windsor at a glance
- Population: a Census-estimated 2,899, placing it 82nd among Virginia's 227 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,744 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 5.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Virginia places: 82nd by size among 227 communities (US Census Bureau).
- Size percentile: it is larger than about 64% of the places in Virginia (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 36.8112, -76.7384.
- Nearest larger cities within 120 miles: Suffolk, VA (10 mi); Smithfield, VA (13 mi); Franklin, VA (14 mi); Portsmouth, VA (21 mi); Newport News, VA (22 mi) (US Census Bureau).
- Smaller places close by: Ivor, VA (11 mi); Wakefield, VA (18 mi); Dendron, VA (19 mi) (US Census Bureau).
What a personal loan costs in Windsor
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Virginia lending rules that apply in Windsor
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Windsor
Here is a short checklist for comparing personal loans in Windsor:
- 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.