Personal loans in Hampton, VA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hampton, VA.
The median household in Hampton earns $69,621 a year, 25% below the Virginia median of $93,170. About 13% of residents live below the federal poverty line, and 43.1% of households rent their home.
Virginia law that applies in Hampton
| 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 Hampton
Lenders that serve Hampton 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 Hampton
What Hampton borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Hampton
- 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 Hampton
12 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| TowneBank | 3 | 101 E Queen St, Hampton 23669 |
| Truist Bank | 3 | 5211 Mercury Blvd, Hampton 23605 |
| Wells Fargo Bank, National Association | 2 | 104 Market Place Dr, Hampton 23666 |
| Bank of America, National Association | 1 | 2030 Coliseum Dr, Hampton 23666 |
| Woodforest National Bank | 1 | 1900 Cunningham Dr, Hampton 23666 |
| Primis Bank | 1 | 2198 Coliseum Dr, Hampton 23666 |
| JPMorgan Chase Bank, National Association | 1 | 1700 W Mercury Blvd, Hampton 23666 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Hampton
13 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| 1St Advantage | 5003 Mercury Blvd, Hampton 23605 |
| Navy Federal Credit Union | 2023 Von Schilling Dr, Hampton 23666 |
| Langley | 409 Aberdeen Rd, Hampton 23661 |
| Bayport | 2300 Cunningham Dr, Hampton 23666 |
| Healthcare Systems | Vamc Building 28, Hampton 23669 |
| Hampton Roads Educ Credit Union Inc | 2130 Cunningham Dr, Hampton 23666 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Hampton city · Payday Loans in Hampton · Title Loans in Hampton
Frequently asked questions
Can I get a personal loan with bad credit in Hampton?
Possibly. Lenders in our network consider applicants with fair and bad credit across Virginia, including Hampton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Hampton, VA?
36% simple annual interest on licensed $300-$35,000 installment loans.
How fast can I get a personal loan in Hampton?
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.
Where can I find a loan for bad credit in Hampton?
You can apply at local banks and lenders in Hampton, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How long does it take to get a personal loan in Hampton?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Hampton.
Can I get a personal loan in Hampton 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. Hampton residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do I apply for a personal loan with bad credit in Hampton?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
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.
Do I need to visit a store in Hampton?
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.