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Payday Loan Rules in Virginia
Reformed short-term installment
| Maximum amount | Up to $2,500 |
|---|---|
| Loan term | 4–24 months; shorter possible only under payment-to-income test |
| Rate / fee rule | Simple interest ≤36% + monthly maintenance fee ≤lesser of 8% of original amount or $25; total charges capped |
| Regulatory basis | Va. Code §§6.2-1800 et seq. |
Key Rules
- Substantially equal installments
- 3-business-day rescission
- income verification
- total charges ≤50% if loan ≤$1,500, ≤60% if above
Alternative Loan Options in Virginia
- Credit-union PAL
- bank small-dollar loan
- licensed consumer finance loan
Regulatory reference: review the cited regulator or statute summary. · NCSL 50-state payday lending summary State rules can change; confirm current terms before borrowing.
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