Virginia

Online Payday Loans in Virginia

Loans in Virginia can go up to $2,500 with terms that can stretch out as far as 24 months.

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Virginia

Online Loan Terms

Maximum Loan Amount
$2,500
Minimum Loan Term
4 months
Maximum Loan Term
24 months
Maximum APR%
44.65%
Max Simultaneous Loans
1
Minimum Age
18

Why get an Online Loan in Virginia?

We get it. Sometimes, emergency expenses like moving come up and you need to get cash immediately. However, you don't have the income or credit to put it on your credit card.

Thankfully, getting an online loan in Virginia is quick and easy. It doesn't matter if you live in Virginia Beach, Norfolk, Chesapeake, or Richmond, you can you loan deposited the same business day or if applying after 11am, the next business day.

How Much do Online Payday Loans in Virginia Cost?

The maximum annual percentage rate allowed by law in Virginia is 44.65% APR.

Finance Charges

Often, the APR includes the interest rate plus fees. In Virginia, lenders may charge a maximum of 36% simple interest per annum plus a maximum monthly maintenance fee of 8% or $25, whichever is less.

Representative Example

For example, Liana has an unexpected moving expense and needs cash immediately. They can borrow up to $2,500 for up to 24 months at 44.65% APR. The high APR can make this example loan extremely expensive; Liana will pay back a total of $4,733 including a total of $2,233 in interest and fees!

What You Need

Before you can get an online loan in Virginia, this is what you will need:

  • You must be at least 18 years old
  • Valid Virginia driver license or government issued ID
  • Checking or savings account
  • Most recent pay stub

Terms for Online Payday Loans in Virginia

Maximum loan terms in Virginia:

  • Maximum loan amont: $2,500
  • Maximum rate, including fees: 44.65%
  • Maximum loan length: $2,500

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