Quick answer
Burlington, VT residents can get loans from licensed lenders regulated by the Vermont Department of Financial Regulation (DFR). Payday loans are prohibited. Call (800) 236-7761 or use the form to see which lenders will work with you today.
Loan options for Burlington residents
Vermont law determines what loans are available, what they cost, and who can lend. Here is how each product stands under current Vermont law:
| Loan type | Status in VT | Key limits |
|---|---|---|
| Installment loans | Restricted | 9 V.S.A. 41a: installment loans not otherwise limited - interest not to exceed 2 |
| Bad credit loans | Restricted | Special limits apply |
| Debt consolidation | Restricted | Special limits apply |
| Refinance | Restricted | Special limits apply |
Want the short list of lenders who will actually say yes?
Tell us the amount and your credit range. Only lenders licensed in Vermont see your request.
Vermont loan rules at a glance
All loan products in Burlington follow Vermont law. Licensed lenders are regulated by the Vermont Department of Financial Regulation (DFR). Here are the key provisions for the most common loan types:
Vermont loan rules at a glance
- Payday licensing
- n/a for payday-style products; no deferred-presentment regime found in primary sources reviewed
- Governing statutes
- Title 8, V.S.A. ch. 114, V.S.A. ch. 73
Regulator: Vermont Department of Financial Regulation (DFR) · Phone: (802) 828-3307 (unlicensed-lender complaints; per Attorney General) · Statutes: Title 8, V.S.A. ch. 114, V.S.A. ch. 73 · Last verified: 2026-10-08
Cheaper options in Burlington
Before you take a high-cost loan, check these local alternatives:
- County, area code(s), nearby cities for Burlington (Census / FCC / state sources)
- Vermont product statuses restated concisely with regulator link (city inherits state law; never invent city-level law)
- Burlington-specific local alternatives: credit unions offering PALs, municipal/state utility hardship programs, Burlington 211 entry
- Nearby-city internal links