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Lending Laws of Virginia

In Virginia, the maximum loan amount is $500. Your loan term has to be at least as long as two of your pay periods. So, if you get paid every 14 days, your loan term would have to be at least 28 days long. The maximum finance charge is made up of a 36-percent annual interest, $5 verification fee, and 20% of the loan amount. That means for a 14-day, $100 loan, you’d pay a $26.38 finance charge. In this example, your 14-day APR would be 687.76-percent.

You are only allowed to take out one outstanding cash advance at a time in Virginia. You are not allowed to extend your loan. That means no rollovers. Your lender can charge you the following collection fees: a $25 NSF fee, reasonable attorney’s fees, and court costs. Your lender is not allowed to pursue criminal action against you.

Virginia (VA)

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About Virginia

Virginia is a state in the United States. Its capital is Richmond and its largest city is Virginia Beach. The official name of Virginia is the Commonwealth of Virginia.

Virginia is bordered (touching) by West Virginia, Maryland, and the District of Columbia (across the Potomac River) to the north, by Chesapeake Bay and the Atlantic Ocean to the east, by North Carolina and Tennessee to the south, and by Kentucky and West Virginia to the west.

Virginia became a state in 1788 after the American Revolution.

Before it became a state of the United States, Virginia was one of the Thirteen Colonies of Great Britain. Virginia was founded (started) in 1607.

The state of West Virginia was part of Virginia until the American Civil War. Virginia then left (seceded from) the United States and joined the Confederate States of America. The western counties of Virginia seceded from Virginia to form a new state which was loyal to the Union. After the end of the Civil War, Virginia became part of the United States again in 1870, but the counties that had left to start West Virginia did not join Virginia again.

Virginia is the state where eight United States presidents were born. This is more than any other state.

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