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Payday Loans in Virginia — Laws, Limits & Online Lenders

Compare licensed payday lenders in Virginia. One application, multiple offers, no credit impact.

1 Apply in Minutes
2 Compare Offers
3 Get Funded

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Virginia Payday Loan Laws at a Glance

Max Loan Amount $2,500
Max APR 36% + fees
Max Term 12 months minimum
Rollovers Prohibited
Cooling-Off Period None
Governing Statute Va. Code § 6.2-1800 (Fairness in Lending Act 2020)
Note: Converted to installment model in 2020 reform.

How to Get a Payday Loan in Virginia

Getting a payday loan in Virginia is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Virginia-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Virginia Borrowers

  • Must be 18 years or older (resident of Virginia)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in Virginia

Under Va. Code § 6.2-1800 (Fairness in Lending Act 2020), payday lenders in Virginia may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Virginia may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Virginia and other state payday loan laws.

Payday Loans by City in Virginia

Select your city for local payday loan information, lender options, and Virginia regulations that apply to your area.

Virginia Beach Norfolk Chesapeake Richmond Arlington Newport News Hampton Alexandria Portsmouth Roanoke Lynchburg Suffolk Harrisonburg Charlottesville

Virginia Payday Loan FAQ

Are payday loans legal in Virginia?

Yes. Payday loans are legal in Virginia under Va. Code § 6.2-1800 (Fairness in Lending Act 2020). Lenders must be licensed by the state banking regulator.

How much can I borrow in Virginia?

The maximum payday loan amount in Virginia is $2,500. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Virginia?

The maximum APR for payday loans in Virginia is approximately 36% + fees. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Virginia?

Prohibited

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