VA · LOAN-AGMT · Updated July 2026 · Free
Virginia Loan Agreement
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Virginia at a glance: Usury Cap (Under $5k): 12% per year (Va. Code § 6.2-301) · Governing Law: Virginia Code Title 6.2
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Overview
Loan Agreements in Virginia
Virginia caps interest rates on loans under $5,000 at 12% per year under Virginia Code Section 6.2-301.
Key Facts
Virginia Loan Agreement — Quick Reference
| Requirement | Virginia Rule |
|---|---|
| Usury Cap (Under $5k) | 12% per year (Va. Code § 6.2-301) |
| Governing Law | Virginia Code Title 6.2 |
Legal Requirements
Virginia Legal Requirements
- Interest rates must not exceed 12% for loans under $5,000.
Governing Laws
Virginia Governing Laws
Read the full text of these laws at Cornell Law School's Virginia legal resources or your state legislature's official website.
Questions & Answers
Virginia Loan Agreement — Frequently Asked Questions
Are loans over $5,000 exempt from Virginia's 12% cap?
Yes, loans over $5,000 are exempt.