Wondering... “Where can I find a personal loan if I have bad credit, near me in Virginia?"

Likely, right here! 224 locations to see. OneMain Financial - Christiansburg, VA, First Virginia Loans - Petersburg, VA, Wells Fargo Bank - Woodbridge, VA, Wells Fargo Bank - Mechanicsville, VA, PNC Bank - Oakton, VA, BB & T Bank - Sterling, VA, and many more are located near you. Locations, contact information, hours and more here in Virginia. Detailed bad credit personal loan information below.

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Personal Loans in VA
$1,000 to $40,000 - Credit Score 650+
Payday Loans in VA
Up to $1,000 – Credit Score NA

The following classes of lending organizations may be exempt from some, all, or none of the regulations set by the state of Virginia. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.

Virginia Personal Loan for Bad Credit Lending Regulator (VA)

Regulating Authority
Virginia Bureau of Financial Institutions
1300 East Main Street
Suite 800
Richmond, VA 23218
(804) 371-9657

Agency for Handling Complaints
Virginia Bureau of Financial Institutions
P.O. Box 640
Richmond , VA 23218-0640
(804) 371-9657


Personal Loan for Bad Credit Lenders (VA) by City

Flag of the State of Virginia Being broke makes life hard enough – but then something always happens to make matters even worse. From Alexandria to Virginia Beach, stuff breaks, accidents happen, and bills pile up. A personal loan for people with bad credit could be just what the doctor ordered, but where in Virginia can you find one?

If you commute on the Beltway, you know you’re taking your life into your own hands. Road hazards, accidents, and traffic jams can cause any number of problems. Whether your car overheats, gets whacked by an uninsured motorist, or wears all of your tires down to nothing, an installment loan can help take the bite out of those expenses.

Richmond just hit the list of top ten cities with bedbugs. Getting rid of them won’t be cheap. The emerald ash borer could cause a lot of tree damage in your yard in Lynchburg. You’ll need a professional to take care of them and hopefully save your trees. Feral pigs are roaming hog wild around Roanoke – and one chased you and your dog down the street when you tried to scare it out of your yard. The repairs to your lawn and putting up a fence are going to cost you. All of these pests will be expensive to deal with, and with your bad credit, it would be great to find an installment loan you could pay back each month.

Maybe you fall down the stairs in Falls Church, or crash your bicycle in Blacksburg, and you haven’t filled your health insurance deductible for the year yet. And those new glasses you got in Grundy? Sure, you can see great; they fix your astigmatism – and you can work on the computer and see far away. Yes, having to wear bifocals at your age is embarrassing, expensive, and not covered by your insurance. You wish you knew where to get a loan for people with bad credit that you could pay back in installments. That would sure take the bite out of these expenses.

When you’re running along in life and suddenly get tripped up by unexpected expenses, a personal loan can help you get back up on your feet. However, some people have a hard time getting the help they need because of a low credit score.

That’s where We Give Loans can help. We offer unique access to a network of 224 loan sources that offer personal loans for people with bad credit. Our loan sources may provide installment loans from $500 to $5,000 with flexible terms and 2 to 36 months for repayment.

Just complete our short, simple, anonymous form and we can pair you with the right loan sources for your unique situation, with no cost or obligation. Instead of going from lender to lender and filling out form after form, you could quickly be paired online with a loan source from our network. Once you’ve been paired, you may complete your loan application with your selected source online. With many lenders approving bad credit personal loans online in just minutes, you may have your funds in 1 to 72 business hours- getting you back on your feet and back in the race quickly. Complete our form now to see how quickly you can get up and running again!

Virginia Debt Relief, Financial Counseling, and Consumer Credit Information

If you would like to look into the possible benefits of these services, National Debt Relief - Whom Offers a Free Savings Estimate is a leader in financial counseling services in Virginia.

Virginia Personal Loan for Bad Credit Laws and Regulations in (VA)

(last updated 11/17/2019)
§ 6.2-1520. Rate of interest; late charges; processing fees.

A. A licensee may charge and receive interest on loans of:

1. Not more than $2,500, at a single annual rate not to exceed 36 percent; and

2. More than $2,500, at such single annual rate as shall be stated in the loan contract.

The annual rate of interest shall be charged only upon principal balances outstanding from time to time. Interest shall not be charged on an add-on basis and shall not be compounded or paid, deducted or received in advance. For the purpose of calculating interest under this section, a year may be any period of time consisting of 360 or 365 days.

B. A licensee may impose a late charge for failure to make timely payment of any installment due on a debt, which late charge shall not exceed five percent of the amount of such installment payment. The late charge shall be specified in the loan contract between the lender and the borrower. For purposes of this section, "timely payment" means a payment made by the date fixed for payment or within a period of seven calendar days after such fixed date.

C. A licensee may charge and receive a processing fee, charged on the principal amount of the loan, for processing the loan contract. The processing fee shall be stated in the loan contract. Such processing fee shall be deemed to constitute interest charged on the principal amount of the loan for purposes of determining whether the interest charged on a loan of not more than $2,500 exceeds the 36 percent annual interest rate limitation imposed by subdivision A 1.
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Virginia, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Virginia Bureau of Financial Institutions.