Personal loans in Burlington, VT
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Burlington, VT.
The median household in Burlington earns $71,109 a year, 12% below the Vermont median of $81,203. About 20% of residents live below the federal poverty line, and 58.5% of households rent their home.
Vermont law that applies in Burlington
| Rate cap | For installment loans not covered by a more specific category: 24% a year on the first $1,000 of the outstanding balance and 12% a year on the excess, or alternatively an 18% annual percentage rate on the whole balance, whichever is higher. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Chapter 73 does not apply to commercial loans of $1,000,000 or more; consumer loans of all sizes are covered. |
Full rules with statute citations: Personal Loans in Vermont. Cities in Vermont cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Burlington
Here's what to have on hand before you start your personal loan request in Burlington:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Burlington
What Burlington borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Burlington
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Burlington
13 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| KeyBank National Association | 2 | 149 Bank St, Burlington 05401 |
| Community Bank, National Association | 2 | 1014 North Ave, Burlington 05408 |
| Mascoma Bank | 2 | 431 Pine St, Burlington 05401 |
| TD Bank, National Association | 1 | 111 Main St, Burlington 05401 |
| Manufacturers and Traders Trust Company | 1 | 77 Pine St, Burlington 05401 |
| Citizens Bank, National Association | 1 | 148 College St, Burlington 05401 |
| Northfield Savings Bank | 1 | 116 Church Street, Burlington 05401 |
| NBT Bank, National Association | 1 | 150 Bank St, Burlington 05401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Burlington
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Eastrise | University Of Vt Medical Center-Mcclure 2 Connector, Burlington 05401 |
| North Country | 1049 North Ave, Burlington 05408 |
| Vermont | 84 Pine St, Burlington 05401 |
| Green Mountain | 92 North Ave, Burlington 05401 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Chittenden County ·
Frequently asked questions
Can I get a personal loan with bad credit in Burlington?
Possibly. Lenders in our network consider applicants with fair and bad credit across Vermont, including Burlington. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Burlington, VT?
24% on first $1,000, 12% above (or 18% APR if higher).
How fast can I get a personal loan in Burlington?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan in Burlington with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Burlington residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Burlington?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Burlington residents can see installment loan offers with our free 3-minute form.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Burlington borrowers who qualify.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
How can I get an emergency loan in Burlington?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Do I need to visit a store in Burlington?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.