VA · PROM-NOTE · Updated July 2026 · Free
Virginia Promissory Note PDF
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Virginia at a glance: Usury Limit: 12% per year · Governing Law: Va. Code § 6.2-303
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Overview
Promissory Notes in Virginia
Virginia sets the default legal rate of interest at 6% and the contract rate cap at 12% per year on written agreements.
Key Facts
Virginia Promissory Note — Quick Reference
| Requirement | Virginia Rule |
|---|---|
| Usury Limit | 12% per year |
| Governing Law | Va. Code § 6.2-303 |
Legal Requirements
Virginia Legal Requirements
- Interest rates must stay below 12% per year on personal contracts.
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 Promissory Note — Frequently Asked Questions
What is the usury limit in Virginia?
The maximum interest rate on written contracts is 12% per year.