Personal loans in Virginia

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Key takeaways

Virginia personal loans are available to borrowers with excellent credit or very poor scores.
Personal loan types include short-term, installment, and secured loans.
Managing your personal loan responsibly can help improve your credit score and financial stability.

Personal loans are versatile and can be tailored for a wide range of uses. That’s what makes them so popular. The money can go toward debt consolidation, medical bills, or unplanned expenses, just to name a few options. They are convenient and accessible online, allowing you to apply without leaving your home.

Virginia residents with bad credit can still obtain funds. Although interest rates might be higher and lenders may charge additional fees, borrowing money is still an option. This guide will cover everything you need to know about online personal loans across Virginia, from Richmond to Roanoke, and everywhere in between.

Virginia personal loans
Personal loan application process in Virginia
Do I need good credit to get a personal loan?
Do I need a certain income for personal loans in Virginia?
Is the personal information I share with a lender secure?
What should I do if I cannot make payments?
What impact does a personal loan have on my credit score?
Bottom line

Virginia personal loans

A personal loan can help address various financial needs. Use them to manage debt, handle medical costs, or finance major expenses. You can choose between secured and unsecured loans, with the loan amounts and interest rates based on your credit score, income, and other factors.

While you can go through banks, many lenders now offer online loans in Virginia. The application process is quick and easy, with generally more relaxed eligibility requirements. These personal loans can range from small short-term loans to larger installment loans. Below, we’ll cover all the various personal loan options available to you.

Secured personal loan

A secured personal loan requires you to use your assets as collateral to ensure repayment. Assets you can use include cars, savings accounts, or property. Secured loans typically offer larger amounts, lower interest rates, and longer repayment terms. Common examples are auto loans and mortgages.

Secured personal loans are easier to obtain for those with poor credit due to the use of collateral. Lenders are more likely to overlook a low score because they can claim your asset if you default. Before borrowing money, review the loan terms and be certain that you can handle the monthly payments.

Short-term loans

Short-term loans are a common choice for Virginians needing fast cash for unexpected expenses. True to their name, short-term personal loans are usually repaid in under 12 months. They are usually for smaller amounts and offer fast approval.

Payday loans are a well-known type of short-term loan. They are typically repaid in a single payment on your next payday, which is how they got their name. Instead of considering your credit score, most payday lenders require proof of employment for approval.

Virginia enacted a new law in 2020 called the Fairness in Lending Act. The law regulates payday loans – now officially termed short-term loans – to make them more affordable and protect borrowers from debt traps. The law stipulates:

Interest rate (APR): 36%
Minimum loan amount: Not specified
Maximum loan amount: $2,500
Minimum loan term: 4 months
Maximum loan term: 24 months
Number of rollovers: 0
Monthly maintenance fee: Up to 8% of the initial loan amount, cannot exceed $25
Total cost: Capped at 50% of the loan amount or 60% for loans of more than $1,500

The Pew Charitable Trusts found that the new law allows lenders to offer short-term personal loans while protecting borrowers from excessively high payments. Borrowers no longer have to repay the money in a lump sum, plus the caps on fees and interest charges help them save money.

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Installment loans

An installment loan refers to a personal loan that is repaid through equal monthly installments. The fixed monthly payment, including interest, makes them easier to budget for since you’ll always know the amount of money due each month. They are more affordable due to their extended repayment terms, which can last from several months to a few years.

Installment loans in Virginia include both secured and short-term loans. They are offered to customers with various income levels and credit scores. If your FICO score is below 670, finding an installment loan may be more challenging, but it’s still possible. While many traditional banks may reject your application, online lenders and credit unions provide loans for bad credit in Virginia.

You can also find loans in Virginia without a credit check. Lenders who do not require a credit check tend to charge higher interest rates to compensate for the risk. Before you take out a no-credit check loan, make sure that you can afford the monthly payment. It may be better to improve your score before you borrow money.

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Personal loan application process in Virginia

Applying for personal loans in Virginia is easy. Start by collecting all the necessary documents. You will need:

A government-issued ID (driver’s license or passport)
Two years of W-2 statements
Two years of tax returns
Recent bank statements (checking, savings, and retirement accounts)
Recent pay stubs
VA disability awards letter (if applicable)
A DD-214, Statement of Service or Points Statement (if applicable and depending on your service type)

Next, research lenders offering personal loans in Virginia. Look for lenders that work with borrowers at your credit level—there’s no sense in applying for a loan you don’t qualify for.

Then, evaluate their interest rates, loan terms, loan amounts, and approval times. Make sure that you can repay the funds as agreed. Many credit unions offer loans with competitive rates, flexible repayment terms, and quick approval to customers with low scores. To qualify, you often must be a member.

Once you’ve picked a lender, complete the online application by providing the required details. If approved, the funds are typically transferred directly to your bank account, sometimes within the same day.

Prequalify for VA personal loans before you apply

Before you apply for a personal loan, it’s a good idea to prequalify. Prequalification allows you to see potential offers without impacting your credit score. This is because when you prequalify, the lender will only conduct a soft inquiry. They can see your credit history and score, but the inquiry does not go on your credit report. Since the inquiry is not noted, it will not impact your score. Prequalifying does not guarantee approval when you formally apply. What it does is let you know if you’re eligible and what terms you’re likely to receive.

Take the time to prequalify with a few lenders you’re interested in. Next, compare the loan amounts, interest rates, fees, and loan terms. Generally, you want the lender with the lowest annual percentage rate (the APR includes both the interest rate and fees) and the shortest repayment term you can afford. Ensure the monthly payments fit your budget. Once you’ve chosen the lender that offers you the best deal, it’s time to submit a formal application.

Looking for a loan but lacking a job?

You can be approved for a loan without employment!

Do I need good credit to get a personal loan?

While having an excellent credit score can improve your chances of getting a personal loan, it’s not always necessary. Many lenders offer loans for bad credit in VA. These lenders consider more than your credit history. Other factors they take into account include your income and employment history, current debt levels, and education.

While it is possible to borrow with less-than-perfect credit, the loan you’ll get often won’t come with the best terms. You can expect to pay more interest and receive a shorter repayment period. Even so, they provide a viable option for those who may not qualify elsewhere.

Do I need a certain income for personal loans in Virginia?

While income is an important factor, there is no set minimum income requirement across all lenders. Some lenders may also accept other forms of income, including government benefits, alimony, or child support.

Lenders generally determine your ability to repay based on your income, debt obligations, and overall financial situation. Some lenders may accept lower income levels if your credit score is strong or your debt-to-income ratio is low. If you have a steady income and can demonstrate your ability to make payments, you have a good chance of securing funds, even without a high salary.

When applying for a personal loan, it’s natural to be concerned about the security of your personal information. Reputable lenders prioritize protecting sensitive data by using advanced encryption technologies to safeguard your information during the application process. This means that details like your Social Security number, income, and banking information are kept secure from unauthorized access.

Before you apply, research the lender and what type of protection they offer. Make sure that they provide clear and transparent privacy policies that outline how your information will be used, stored, and protected.

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What should I do if I cannot make payments?

If you’re in danger of being unable to pay, contact your lender as soon as possible. Ideally, before you miss a single payment. Many lenders offer temporary solutions to help you out, especially if you’ve been on time in the past. They may be able to adjust your monthly payment schedule, offer a grace period, or set up a forbearance plan to help you get back on track. Be honest about your financial situation and polite. It never hurts to ask, as lenders are people too.

Avoid ignoring the problem. If you miss a payment, the lender will charge a late fee and report it to the credit bureaus. Miss enough payments, and your account could end up in collections, significantly hurting your credit score.

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What impact does a personal loan have on my credit score?

A personal loan can potentially affect your credit score in both positive and negative ways. It largely depends on how you handle the loan and whether the lender reports to the three major credit bureaus: Equifax, Experian, and TransUnion. If the lender reports your credit activity, the loan will impact your score; otherwise, it generally won’t affect it at all.

When you first apply for a personal loan, the lender will likely perform a hard inquiry. This will cause a dip of five to ten points in your score. The dip is only temporary.

If your credit profile consists solely of credit cards, adding a loan can diversify and strengthen your credit mix. Lenders care about the variety of accounts you hold and your ability to manage them responsibly. Maintaining a mix of revolving and installment credit can positively impact your score.

Your mix of accounts and any new credit applications each contribute 10% to your FICO score. Your payment history, on the other hand, contributes 35% to your score. This is the biggest factor and the one you really need to pay attention to.

Pay on time every month, and you’ll likely see your score increase. Timely payments show responsible financial behavior, which is exactly what lenders look for. Conversely, late or missed payments can have a major negative impact on your credit score. A single late payment can negatively affect your score and stay on your credit report for as long as seven years. Defaulting on a loan can cause long-term damage and make recovery difficult.

Managing your loan responsibly is key to maintaining or improving your credit score.

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Frequently asked questions

1. What is the best place to get a personal loan from?

The best place depends on your credit score and personal finances. Online lenders frequently offer quick approvals and fast funding, even for applicants with poor scores.

2. Is it possible to borrow $5,000 with bad credit?

Yes, it’s possible, though the interest rate may be higher. Explore online lenders, as many cater to applicants with lower scores.

3. What is the minimum credit score required for a personal loan?

The minimum credit score required will vary by lender. A lot of big banks prefer a score of 670 or higher on the FICO scale. Credit unions and online lenders tend to accept applicants with scores below 670. Many financial institutions go as low as a 500 credit score or don’t require a minimum score at all. Be aware that lower scores typically come with higher interest rates and stricter conditions.

4. Can you get payday loans in Virginia?

Payday loans are available in Virginia. They are called short-term loans and are heavily regulated to protect consumers. Virginia law caps the amount, limits the interest rates, and extends the repayment period to at least four months. Even so, they can still be expensive.

Bottom line

Virginia personal loans come with an array of advantages. They provide flexible financing that can cover anything from unexpected expenses to car repairs or travel. Personal loans often offer lower interest rates than credit cards, a significant advantage for debt consolidation. They can also build credit when you pay on time. Like everything else, they come with risks and should be considered carefully.

Before taking out a personal loan, assess your financial situation and compare your options. Personal loans for bad credit are available in Virginia, but they usually carry higher interest rates and costs. Be certain you can afford to repay the loan comfortably before committing to any agreements. Responsible use of personal loans can strengthen your finances and improve your credit score without creating a debt cycle.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC

6. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

7. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

8. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

9. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

10. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

11. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

12. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

13. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

14. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

16. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

17. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

18. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

19. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

20. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

21. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

22. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

23. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

24. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

25. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

26. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

27. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

28. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

29. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

30. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

31. Tipping or not tipping has no impact on your eligibility for SpotMe®.

32. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

33. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

34. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

35. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

36. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

37. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

Online Personal Loans in Virginia

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