Key Loan Facts
Clear, fixed-structure personal loans for Virginia borrowers.
- 12% fixed APR
- Simple interest structure
- 1–3 year fixed terms (**see example below**)
- No traditional credit bureau check
- Manual underwriting by our lending team
- No automated credit decisioning
- No origination or administration fees
- No late fees
- No NSF fees
- No subscriptions or membership requirements
- All loans are originated and serviced directly by Boyledown Lending for the life of the loan
- We do not sell, transfer, or assign loan servicing to third parties
- Available to Virginia borrowers only
Example Loan (Illustration Only)
This example assumes full repayment over a 12-month term with simple interest.
A $1,000 loan at 12% fixed APR over 12 months results in:
• Total interest: $120
• Total repayment: $1,120
• Approximate monthly payment: $93.33
We believe a borrower should be able to understand their full obligation at the moment of agreement—without hidden fees, layered pricing, or complex conditions.
Why We Lend This Way
Modern lending systems allow for a wide range of pricing depending on risk, structure, and regulation. Higher rates are not inherently wrong—they are often a function of risk, cost, and market conditions.
Boyledown takes a different approach. Rather than maximizing pricing within what is legally permissible, we choose a fixed, transparent structure that balances risk, fairness, and simplicity.
Legality defines what is possible. Institutional philosophy defines what is chosen.
Human Lending in a Structured System
Most modern credit systems rely on standardized data and automated decisions. These systems are efficient, but they do not always capture individual context or circumstance.
Boyledown combines structured lending with human judgment—reviewing each application individually and servicing every loan directly from start to finish.
Clear terms. Direct communication. No transfers. No hidden layers.
Read our Annotated Personal Loan Agreement
Every section explained in plain English before you apply or sign.
Read More about why we lend this way.
Read a lot more about why we lend this way in our evolving white paper.
Latest Lending Tip Video!
Boyledown is a licensed Virginia consumer finance company (CFI-256) offering one clear personal loan — alongside a blog that ‘boyles’ down borrowing.1
What we Believe
What we offer
- 💵 Personal Loan Amount: $1000-$6000
- 🧾 Terms: 1, 2, or 3 years
- 📈 Fixed APR: 12%
- ❌ No late fees
- ❌ No third-party collections
- ❌ No loan assignments
DISCLOSURE: Boyledown is a small-capacity lender. Each inquiry is reviewed personally and volume is limited.
What’s Boyleing in the Lending Blog?
When lending feels unclear, this blog purifies the process.
Recent Posts
Is the Boyledown Personal Loan Right for You?
This loan may be a good fit if:
✅ You live in Virginia
✅ You’re looking for a loan amount between $2000-$4000
✅ You can comfortably manage monthly payments of:
For $1000 Loan
- $88.85/month (1 year)
- $47.07/month (2 years)
- $33.21/month (3 years)
For $2000 Loan
- $177.75/month (1 year)
- $94.20/month (2 years)
- $66.48/month (3 years)
For $3000 Loan
- $265/month (1 year)
- $140/month (2 years)
- $95/month (3 years)
For $4000 Loan
- $355/month (1 year)
- $188/month (2 years)
- $132/month (3 years)
For $5000 Loan
- $444.24/month (1 year)
- $235.37/month (2 years)
- $166.07/month (3 years)
For $6000 Loan
- $533.09/month (1 year)
- $282.44/month (2 years)
- $199.29/month (3 years)
How our personal loan process works
We use a simple, two-stage process:
- First, a quick inquiry (no credit info, no pressure, we want to see if our personal loan product ALIGNS with what you are looking for. The questions asked have NOTHING to do with any evaluation of your ability to repay the personal loan in full and on time).
- Then, if it’s a fit, an invitation to apply
About
Boyledown Lending Inc. is a consumer finance company licensed by the Virginia State Corporation Commission. The license number assigned by the commission to the licensee is CFI-256.2
We also write about lending to help you understand how it works — not to overwhelm you with jargon, but to boyle it down.
Complaints or Inquiries:
Email: david@boyledown.com
Phone: (631) 379‑0306
Mailing Address:
Boyledown Lending Inc.
285 Crockett Hill Lane
Cross Junction, VA 22625
- Boyledown Lending Inc. is a consumer finance company licensed by the Virginia State Corporation Commission. The license number assigned by the commission to the licensee is CFI-256. ↩︎
- This disclosure is provided to comply with Title 10 Agency 5 Chapter 60 Section 35(A) of the Virginia Administrative Code. ↩︎
Boyledown Lending Inc. 