The MFP’s Community Personal Loan Lender Survey gathers Virginia borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Virginia’s Personal Loan Borrowers >>
Virginia Best Personal Loan Lenders
Virginia Beach, Chesapeake, Norfolk, Richmond, Newport News, Alexandria, Hampton, Roanoke, Online.
Virginia Beach Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Virginia Beach’s area are Chartway Credit Union, TowneBank and ABNB Federal Credit Union.
- Chartway ranks highest with a 94% Recommend score, plus the strongest Easy Application score among the top 3 at 4.8.
- Customer feedback points to a smooth borrowing process, strong local branch support, and clear personal loan guidance in the Virginia Beach area.
- TowneBank ranks second with a 92% Recommend score and ties Chartway for Loan Terms & Rate Satisfaction at 4.7.
- Customer feedback supports high marks for local banking service, clear loan communication, and helpful support through the application process.
- ABNB ranks third with a 91% Recommend score and the highest Support & Guidance score among the top 3 at 4.8.
- Customer feedback highlights responsive branch service, practical personal loan help, and strong guidance for Virginia Beach-area borrowers.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Chartway Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| TowneBank | Community Bank | 4.7 | 4.7 | 4.7 | 92% |
| ABNB Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.8 | 91% |
| Langley Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 90% |
| BayPort Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| Navy Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 87% |
| Southern Bank | Community Bank | 4.4 | 4.5 | 4.5 | 85% |
| Old Point National Bank | Community Bank | 4.3 | 4.4 | 4.5 | 83% |
| Atlantic Union Bank | Bank | 4.3 | 4.3 | 4.4 | 82% |
| Dollar Bank | Bank | 4.2 | 4.3 | 4.3 | 80% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.2 | 79% |
| Truist | Bank | 4.1 | 4.1 | 4.2 | 77% |
| Wells Fargo | Bank | 4.1 | 4.0 | 4.1 | 76% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 75% |
| SouthState Bank | Bank | 4.0 | 3.9 | 4.0 | 74% |
Chesapeake Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Chesapeake’s area are Chartway Credit Union, ABNB Federal Credit Union and TowneBank.
- Chartway ranks highest with a 94% Recommend score and the strongest Easy Application score among the top 3 at 4.8.
- Customer feedback points to a smooth borrowing process, clear local guidance, and strong personal loan support through Chesapeake branches.
- ABNB ranks second with a 93% Recommend score and the highest Support & Guidance score among the top 3 at 4.8.
- Customer feedback supports high marks for responsive branch service, practical personal loan help, and clear borrower communication.
- TowneBank ranks third with a 91% Recommend score and ties Chartway for Loan Terms & Rate Satisfaction at 4.7.
- Customer feedback highlights helpful community banking service, clear lending communication, and dependable Chesapeake-area support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Chartway Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| ABNB Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 93% |
| TowneBank | Community Bank | 4.6 | 4.7 | 4.7 | 91% |
| Langley Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 89% |
| BayPort Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| Navy Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 87% |
| Atlantic Union Bank | Bank | 4.3 | 4.4 | 4.4 | 83% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.2 | 79% |
| Truist | Bank | 4.1 | 4.1 | 4.2 | 77% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 76% |
Norfolk Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Norfolk’s area are Chartway Credit Union, TowneBank and ABNB Federal Credit Union.
- Chartway ranks highest with a 94% Recommend score and the strongest Easy Application score among the top 3 at 4.8.
- Customer feedback points to a smooth borrowing process, helpful Norfolk branch service, and clear personal loan guidance.
- TowneBank ranks second with a 92% Recommend score and ties Chartway for Loan Terms & Rate Satisfaction at 4.7.
- Customer feedback supports high marks for local banking help, clear loan communication, and dependable Norfolk-area support.
- ABNB ranks third with a 91% Recommend score and the highest Support & Guidance score among the top 3 at 4.8.
- Customer feedback highlights responsive branch service, practical personal loan help, and strong borrower guidance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Chartway Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| TowneBank | Community Bank | 4.7 | 4.7 | 4.7 | 92% |
| ABNB Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.8 | 91% |
| Langley Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 90% |
| BayPort Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| Navy Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 87% |
| Old Point National Bank | Community Bank | 4.4 | 4.5 | 4.5 | 85% |
| Atlantic Union Bank | Bank | 4.3 | 4.4 | 4.4 | 83% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.2 | 79% |
| Truist | Bank | 4.1 | 4.1 | 4.2 | 77% |
Richmond Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Richmond’s area are Virginia Credit Union, RVA Financial Federal Credit Union and Dominion Energy Credit Union.
- Virginia Credit Union ranks highest with a 94% Recommend score and the strongest Easy Application score among the top 3 at 4.8.
- Customer feedback points to a smooth borrowing process, clear personal loan options, and strong Richmond-area branch support.
- RVA Financial ranks second with a 92% Recommend score and ties Virginia Credit Union for Support & Guidance at 4.7.
- Customer feedback supports high marks for local loan help, practical borrowing options, and responsive support from Richmond-based staff.
- Dominion Energy Credit Union ranks third with a 90% Recommend score and ties RVA Financial for Loan Terms & Rate Satisfaction at 4.6.
- Customer feedback highlights helpful service, clear loan communication, and dependable Richmond branch support through the borrowing process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Virginia Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| RVA Financial Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 92% |
| Dominion Energy Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 90% |
| Credit Union of Richmond | Credit Union | 4.5 | 4.5 | 4.6 | 88% |
| Connects Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 87% |
| TowneBank | Community Bank | 4.4 | 4.5 | 4.5 | 85% |
| First Community Bank | Community Bank | 4.3 | 4.4 | 4.4 | 83% |
| Atlantic Union Bank | Bank | 4.3 | 4.3 | 4.4 | 82% |
| First Citizens Bank | Bank | 4.2 | 4.2 | 4.3 | 80% |
| PNC Bank | Bank | 4.1 | 4.1 | 4.2 | 78% |
Newport News Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Newport News’s area are Langley Federal Credit Union, BayPort Credit Union and Chartway Credit Union.
- Langley ranks highest with a 94% Recommend score and the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.8.
- Customer feedback points to strong Newport News-area service, clear personal loan options, and helpful support throughout the borrowing process.
- BayPort ranks second with a 93% Recommend score and the highest Support & Guidance score among the top 3 at 4.8.
- Customer feedback supports high marks for local branch access, responsive borrowing help, and clear communication for Newport News borrowers.
- Chartway ranks third with a 91% Recommend score and the strongest Easy Application score among the top 3 at 4.8.
- Customer feedback highlights a smooth application process, practical personal loan support, and dependable branch service in the Newport News area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Langley Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 94% |
| BayPort Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 93% |
| Chartway Credit Union | Credit Union | 4.8 | 4.6 | 4.7 | 91% |
| ABNB Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 89% |
| Navy Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 87% |
| TowneBank | Community Bank | 4.4 | 4.5 | 4.5 | 85% |
| Atlantic Union Bank | Bank | 4.3 | 4.4 | 4.4 | 83% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.2 | 79% |
| Truist | Bank | 4.1 | 4.1 | 4.2 | 77% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 76% |
Alexandria Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Alexandria’s area are InFirst Federal Credit Union, Democracy Federal Credit Union and Burke & Herbert Bank.
- InFirst ranks highest with a 94% Recommend score and the strongest Easy Application score among the top 3 at 4.8.
- Customer feedback points to a smooth borrowing process, helpful Alexandria branch support, and clear personal loan guidance.
- Democracy ranks second with a 92% Recommend score and ties InFirst for Support & Guidance at 4.7.
- Customer feedback supports high marks for responsive local service, practical personal loan help, and clear borrower communication.
- Burke & Herbert ranks third with a 90% Recommend score and the highest Loan Terms & Rate Satisfaction score among the top 3 at 4.7.
- Customer feedback highlights dependable Alexandria banking service, clear loan communication, and strong support from local staff.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| InFirst Federal Credit Union | Credit Union | 4.8 | 4.6 | 4.7 | 94% |
| Democracy Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 92% |
| Burke & Herbert Bank | Community Bank | 4.6 | 4.7 | 4.6 | 90% |
| State Department Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Signature Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 87% |
| CommonWealth One Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 86% |
| Andrews Federal Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 84% |
| John Marshall Bank | Community Bank | 4.3 | 4.4 | 4.4 | 83% |
| Atlantic Union Bank | Bank | 4.2 | 4.3 | 4.3 | 81% |
| United Bank | Bank | 4.2 | 4.2 | 4.3 | 80% |
Hampton Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Hampton’s area are Langley Federal Credit Union, BayPort Credit Union and TowneBank.
- Langley ranks highest with a 94% Recommend score and the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.8.
- Customer feedback points to clear personal loan options, strong Hampton-area service, and helpful support through the borrowing process.
- BayPort ranks second with a 93% Recommend score and the highest Support & Guidance score among the top 3 at 4.8.
- Customer feedback supports high marks for responsive local branch help, practical borrowing guidance, and clear communication.
- TowneBank ranks third with a 91% Recommend score and ties BayPort for Easy Application at 4.7.
- Customer feedback highlights dependable Hampton banking service, local loan decision support, and clear personal loan communication.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Langley Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 94% |
| BayPort Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 93% |
| TowneBank | Community Bank | 4.7 | 4.7 | 4.7 | 91% |
| Chartway Credit Union | Credit Union | 4.8 | 4.6 | 4.7 | 90% |
| ABNB Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 89% |
| Navy Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 87% |
| Atlantic Union Bank | Bank | 4.3 | 4.4 | 4.4 | 83% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.2 | 79% |
| Truist | Bank | 4.1 | 4.1 | 4.2 | 77% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 76% |
Roanoke Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Roanoke’s area are Freedom First Credit Union, Roanoke Valley Community Credit Union and Blue Eagle Credit Union.
- Freedom First ranks highest with a 94% Recommend score and the strongest Easy Application score among the top 3 at 4.8.
- Customer feedback points to a smooth borrowing process, helpful Roanoke branch service, and clear personal loan guidance.
- Roanoke Valley Community Credit Union ranks second with a 92% Recommend score and the highest Support & Guidance score among the top 3 at 4.8.
- Customer feedback supports high marks for local borrower support, practical personal loan options, and clear communication.
- Blue Eagle ranks third with a 90% Recommend score and ties Freedom First for Loan Terms & Rate Satisfaction at 4.7.
- Customer feedback highlights helpful branch service, clear lending help, and steady support for Roanoke-area borrowers.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Freedom First Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Roanoke Valley Community Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 92% |
| Blue Eagle Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| First Care Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| ValleyStar Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 86% |
| InFirst Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 85% |
| Kemba Roanoke Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 83% |
| Atlantic Union Bank | Bank | 4.2 | 4.3 | 4.3 | 81% |
Virginia Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Virginia’s area are Apple Federal Credit Union, Virginia Credit Union and Navy Federal Credit Union.
- Apple Federal Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to an easy online application, competitive loan terms, and quick, helpful service during the borrowing process.
- Virginia Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its strong ranking because customers highlight simple online access, clear personal loan options, and helpful support when applying.
- Navy Federal Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance, tying the highest Loan Terms & Rate Satisfaction score among the top 3.
- Borrower feedback supports its top-3 placement because customers point to strong loan terms, dependable online access, and useful guidance for personal borrowing needs.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Apple Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| Virginia Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 95% |
| Navy Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 94% |
| Chartway Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| Langley Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 91% |
| PenFed Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 84% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 82% |