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Virginia (VA) lender directory

Installment Loans in Virginia

Looking for an installment loan near you in Virginia? Pick your city below. We list 61 stores in 50 Virginia cities, built from lenders' own store pages. Data last checked October 9, 2026.

Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer

Installment loans by city

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Installment loans in Virginia: the rules

  • A consumer finance company can charge interest of up to 36 percent a year on installment loans, computed on the unpaid balance (no add-on interest). Source: Va. Code Ann. § 6.2-1520(A) · verified Oct 9, 2026
  • A consumer finance company can make installment loans of $300 to $35,000, lasting 6 to 120 months. Source: Va. Code Ann. § 6.2-1520(A) · verified Oct 9, 2026
  • A consumer finance company can charge a $20 late fee, once per payment, when a payment is more than 10 days late. Source: Va. Code Ann. § 6.2-1520(B) · verified Oct 9, 2026
  • A consumer finance company can charge a loan processing fee of the greater of $50 or 6 percent of the principal, never more than $150. Source: Va. Code Ann. § 6.2-1520(C) · verified Oct 9, 2026
  • Lending to individuals at more than the general 12 percent rate requires a consumer finance license from the State Corporation Commission unless the lender is licensed under the short-term or title loan chapters; a loan made without a license is void. Source: Va. Code Ann. § 6.2-1501(A), (F) · verified Oct 9, 2026

Lenders in Virginia are licensed by the Virginia State Corporation Commission, Bureau of Financial Institutions. See also online lenders and apps in Virginia.

Questions people ask

How many installment lenders are in Virginia?

We list 61 installment lenders in Virginia, in 50 cities.

Which Virginia cities have the most installment lenders?

Virginia Beach (3), Charlottesville (2), Chesapeake (2), Colonial Heights (2) and Fredericksburg (2).

How much can lenders charge in Virginia?

A consumer finance company can charge interest of up to 36 percent a year on installment loans, computed on the unpaid balance (no add-on interest) (Va. Code Ann. § 6.2-1520(A)). More limits are listed under the state rules on this page.

How do I check a lender's license in Virginia?

Lenders in Virginia are licensed by the Virginia State Corporation Commission, Bureau of Financial Institutions. Contact the regulator, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. OneMain Financial branches (VA) · 54 locations Last verified Oct 15, 2026
  2. Republic Finance locations (VA) · 7 locations Last verified Oct 15, 2026
  3. OpenStreetMap (Overpass API), VA · 3 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  4. Va. Code Ann. § 6.2-303(A) · General rules Last verified Oct 9, 2026 · high confidence
  5. Va. Code Ann. § 6.2-1801(A)-(B), (D) · General rules Last verified Oct 9, 2026 · high confidence
  6. Va. Code Ann. § 6.2-1816.1(1), Va. Code Ann. § 6.2-1816.1(2), Va. Code Ann. § 6.2-1816.1(5) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence
  7. Va. Code Ann. § 6.2-1817(A)(1), Va. Code Ann. § 6.2-1817(A)(2), Va. Code Ann. § 6.2-1817(B) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence
  8. Va. Code Ann. § 6.2-1818.3 · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence
  9. Va. Code Ann. § 6.2-1818.2(F) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence
  10. Va. Code Ann. § 6.2-1818.4 · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence
  11. Va. Code Ann. § 6.2-1810(B)(1), (5) · Statewide loan database Last verified Oct 9, 2026 · high confidence
  12. Va. Code Ann. § 6.2-2215.1(1), Va. Code Ann. § 6.2-2215.1(2) · Title loans Last verified Oct 9, 2026 · high confidence
  13. Va. Code Ann. § 6.2-2216(A)(1), Va. Code Ann. § 6.2-2216(A)(2) · Title loans Last verified Oct 9, 2026 · high confidence
  14. Va. Code Ann. § 6.2-2216.4 · Title loans Last verified Oct 9, 2026 · high confidence
  15. Va. Code Ann. § 6.2-2217(A), (B), (E) · Title loans Last verified Oct 9, 2026 · high confidence
  16. Va. Code Ann. § 6.2-1520(A), Va. Code Ann. § 6.2-1520(B), Va. Code Ann. § 6.2-1520(C) · Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence
  17. Va. Code Ann. § 6.2-1501(A), (F) · Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence
  18. Va. Code Ann. § 54.1-4008(A) · Pawn loans Last verified Oct 9, 2026 · high confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.