Get a Personal Loan in Alexandria, VA
Three minutes to request, no fee, and no obligation to accept any offer. Every offer follows Virginia’s rate cap.
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Virginia loan rules at a glance
| Rule | Virginia limit |
|---|---|
| Legal status | Legal and regulated |
| Maximum loan amount | $2,500 (short-term loan) |
| Maximum term | 4 to 24 months |
| Finance charge cap | 36% annual interest + monthly fee (lesser of $25 or 8% of principal) |
| Rollovers | Installment loan — no payday rollovers. Total fees capped at 50% of principal (≤$1,500 loans) or 60% (larger) |
| Cooling-off period | Prepay anytime without penalty; not a single-payment payday product |
| Statute | Virginia Fairness in Lending Act (2020) — Va. Code § 6.2-1817 et seq. |
Source: Virginia State Corporation Commission (SCC), Bureau of Financial Institutions · Rules verified July 11, 2026
Before you apply
No. The matching service is free for borrowers. You only ever pay the lender, under the terms written in the loan agreement you accept — and in Virginia those costs are capped by state law.
Yes. Your request is encrypted in transit and shared only with the lenders reviewing your request. We never sell your data to unrelated third parties.
Usually within minutes. If a lender makes you an offer and you accept during business hours, funds are typically deposited as soon as the next business day.