Personal loans in Bristol, VA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bristol, VA.
The median household in Bristol earns $50,404 a year, 46% below the Virginia median of $93,170. About 18% of residents live below the federal poverty line, and 36.4% of households rent their home. 20.4% of households have no home internet; our form works on any phone.
Virginia law that applies in Bristol
| Rate cap | Licensed consumer finance lenders may charge a single annual interest rate of no more than 36%, computed only on the unpaid principal (no add-on or compounding). |
|---|---|
| License required | Yes. |
| Loan sizes covered | Installment loans of $300 to $35,000, with terms of 6 to 120 months, repayable in at least six substantially equal payments. |
Full rules with statute citations: Personal Loans in Virginia. Cities in Virginia 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 Bristol
Lenders that serve Bristol typically ask for the following:
- 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 Bristol
What Bristol borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Bristol
- 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 Bristol
9 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Community Bank | 2 | 1465 Old Airport Rd, Bristol 24201 |
| New Peoples Bank, Inc. | 2 | 15050 Lee Hwy, Bristol 24202 |
| Wells Fargo Bank, National Association | 1 | 1700 Euclid Ave, Bristol 24201 |
| TruPoint Bank | 1 | 2305 Lee Hwy, Bristol 24201 |
| The First Bank and Trust Company | 1 | 1040 Valley Dr, Bristol 24201 |
| Lee Bank and Trust Company | 1 | 743 Gate City Hwy, Bristol 24201 |
| The Bank of Marion | 1 | 195 Clear Creek Rd, Bristol 24202 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bristol
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Eastman | 16501 Highlands Center Blvd, Bristol 24202 |
| United Southeast | 2555 Lee Highway, Bristol 24201 |
| Bristol Va School System | 280 Lee St, Bristol 24201 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Bristol city · Payday Loans in Bristol · Title Loans in Bristol
Frequently asked questions
Can I get a personal loan with bad credit in Bristol?
Possibly. Lenders in our network consider applicants with fair and bad credit across Virginia, including Bristol. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Bristol, VA?
36% simple annual interest on licensed $300-$35,000 installment loans.
How fast can I get a personal loan in Bristol?
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.
How can I get an emergency loan in Bristol?
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.
Can I get a personal loan in Bristol 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. Bristol residents can see if they qualify for $100 to $5,000 in about 3 minutes.
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.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Bristol 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 Bristol borrowers who qualify.
Do I need to visit a store in Bristol?
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.