Short-term Loans

This is the 2026 edition of the code. This is the current edition. It was last updated Aug 02, 2026. Browse all editions.

This is Chapter 18 of the Code of Virginia, titled “Short-term Loans.” It is part of Subtitle III “Other Regulated Providers of Financial Services”, which is part of Title 6.2 “Financial Institutions and Services”. It contains 36 laws.

It’s comprised of the following 36 sections.

§ 6.2-1800	Definitions
§ 6.2-1801	License requirement
§ 6.2-1802	Applicability
§ 6.2-1803	Application for license; form; content; fee
§ 6.2-1804	Bond required
§ 6.2-1805	Investigation of applications
§ 6.2-1806	Qualifications
§ 6.2-1807	Licenses; places of offices; changes
§ 6.2-1808	Acquisition of control; application
§ 6.2-1809	Retention of books, accounts, and records
§ 6.2-1810	Loan database
§ 6.2-1811	Annual report
§ 6.2-1812	Other reporting requirements
§ 6.2-1813	Investigations; examinations
§ 6.2-1814	Annual fees
§ 6.2-1815	Regulations
§ 6.2-1816	Required and prohibited business methods
§ 6.2-1816.1	Loan terms and conditions
§ 6.2-1817	Authorized fees and charges
§ 6.2-1817.1	Inflation adjustment of maximum monthly maintenance fee
§ 6.2-1818	Repealed
§ 6.2-1818.1	Refinancing of short-term loans
§ 6.2-1818.2	Statement of balance due; repayment and refunds
§ 6.2-1818.3	Restriction on certain fees and charges
§ 6.2-1818.4	Verification of borrower's income
§ 6.2-1819	Advertising
§ 6.2-1820	Other business
§ 6.2-1821	Suspension or revocation of license
§ 6.2-1822	Cease and desist orders
§ 6.2-1823	Notice of proposed suspension or revocation
§ 6.2-1824	Civil penalties
§ 6.2-1825	Criminal penalties
§ 6.2-1826	Validity of noncompliant loan agreement; private right of action
§ 6.2-1827	Application of chapter to Internet loans
§ 6.2-1828	Authority of Attorney General; referral by Commission to Attorney General
§ 6.2-1829	Violation of the Virginia Consumer Protection Act