Personal loans in Burlington, VT
The rate you are quoted in Burlington reflects your credit file, your income and the lender's own appetite for risk. Vermont sets its own rules for consumer lenders, and the sourced table below names the regulator and the source for each figure. The practical effect is that comparing offers from lenders licensed in Vermont is more meaningful than comparing national averages. Enter your own numbers rather than relying on an advertised example rate. We do not invent rates or market data: any figure on this page either comes from you or is cited to a regulator.
What to know before you borrow in Vermont
| Interest rate cap (usury limit) | Usury limit: 12% (Vt. Stat. Ann. tit. 9, § 41a (2019)). Finance rates and fees for licensed lenders: 24% per annum on the portion not exceeding $1,000, plus 12% per annum on the remainder; OR 18% per annum.Source: Conference of State Bank Supervisors · as of 2026 |
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| Consumer lending regulator | Consumer lenders in Vermont are licensed and supervised by the Vermont Department of Financial Regulation.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Vermont Office of the Attorney General.Source: Vermont Office of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans.Source: Consumer Financial Protection Bureau · as of 2024 |
See all Vermont lending rules →
Compare offers in Burlington
Use the APR calculator if an offer quotes an interest rate and a separate fee - the APR is the number that lets you compare it fairly with other offers.
Then check affordability with the debt-to-income calculator before you submit an application.
Check your rate with a lending partner in about two minutes. Checking does not affect your credit score.
Check your rateWe may be paid a commission if you apply through this link. This does not affect our calculators or guides, which are free and independent.
Frequently asked questions
What credit score do I need for a personal loan in Burlington?
Lenders do not publish a single cutoff, and it varies by lender. A higher score generally means a lower rate. Checking pre-qualification usually involves a soft credit pull that does not affect your score.
Does Vermont cap the interest a lender can charge?
Yes, Vermont sets its own consumer lending rules, including any rate or fee limits. The sourced table above names the regulator and the statute for each figure.
How much can I borrow in Burlington?
Loan amounts depend on the lender and your income and credit profile rather than on the city. Use the calculators above to see what a given amount and term would cost you each month.
How long does a personal loan take in Burlington?
Timelines vary by lender. Some pre-qualify in minutes and fund within a day or two; others take longer because they verify income and employment. A soft pre-qualification does not commit you to anything.
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