Colonial Heights, VA · South · 36% APR cap
Payday loans in Colonial Heights
Colonial Heights is governed by Virginia's statewide lending law — cities don't set their own loan rules. Virginia does not license classic two-week payday pricing: a 36% APR cap keeps typical payday fees out of the market. The storefronts that remain sell installment products under that cap.
Classic payday pricing is not licensed here, so treat any two-week, high-fee offer as a red flag.
Lending storefronts in Colonial Heights
17,772 residents · Colonial Heights city County Median household income is $50,304 — below the Virginia median of $89,164.
1 storefront location of 1 company listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| OneMain Financial Installment Loans | 798 Southpark Blvd Ste 30, 23834 | (804) 520-5315 | Mon 8:30 AM - 5:30 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Virginia page before visiting. Spot an error? Report it.
The online route in Colonial Heights
Online lenders can serve Colonial Heights without a storefront — but Virginia's 36% cap reaches any lender licensed in the state, wherever it is based. Loans routed through partner banks or tribal charters sit outside that cap, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Virginia regulator.
The rules behind the numbers
Short-term loans in Virginia are governed by strict consumer protections that limit annual interest to 36% plus permissible maintenance fees.
Statute: Va. Code Ann. § 6.2-1800 et seq. (Fairness in Lending Act)
Regulator: Virginia State Corporation Commission - Bureau of Financial Institutions · scc.virginia.gov
Questions people ask in Colonial Heights
Why doesn't Colonial Heights have classic payday stores?
Virginia caps small-loan APR at 36%, and that state cap applies in Colonial Heights exactly as everywhere else. At 36% a two-week $300 loan earns a lender about $4 — so classic payday pricing can't legally operate here.
What can I legally borrow in Colonial Heights?
Installment loans priced under the 36% cap, federal credit-union PALs, and employer advances are the lawful routes. Any storefront or site advertising two-week, high-fee payday pricing to Colonial Heights residents is not licensed here.
What lending storefronts are in Colonial Heights?
1 storefront is listed in Colonial Heights in our 2022-02-20 directory snapshot (1 different company). The full list with addresses, phones and hours is in the table above.
Who enforces the cap in Colonial Heights?
Complaints about a lender go to the Virginia State Corporation Commission - Bureau of Financial Institutions (scc.virginia.gov) — keep the loan agreement and every fee disclosure you were given.