Vermont borrowers get matched with lenders licensed to lend here
Rates, approval odds, and product availability in Vermont look different than in neighboring states. We route Vermont applications only to lenders and brokers licensed by the Vermont Department of Financial Regulation, so the offers you see are ones you can actually take.
How lending in Vermont is different
Vermont's median household income is $74,014 — in line with the national household-income median — and the typical home price of $360,000 sits close to the $350,000 national midpoint. On our platform, the average funded loan in Vermont runs about $17,900, with mortgage loans as the most requested product across Burlington, South Burlington, and the rest of the state.
Default cap 12% on most consumer credit; licensed lenders have product-specific limits up to 24%. The Vermont Department of Financial Regulation (VT DFR) supervises consumer lenders operating in Vermont, and every match we send you carries their license number so you can verify it before you share documents.
- Compare at least 3 Vermont offers — APR spread between lenders here is often 4–8 percentage points on the same credit profile.
- If you're buying in Burlington or South Burlington, ask about local down-payment assistance — Vermont programs stack with most conforming loans.
- A soft-pull pre-qual on our platform does not affect your credit score; only the lender you choose runs a hard pull.
Vermont at a glance
Local market data we use to calibrate matches for borrowers in Vermont.
What a real Vermont offer looks like
Illustrative math using Vermont's median home price, our average funded loan size in VT, and typical partner APRs. Your actual offers depend on credit, DTI, and lender.
Buying near Burlington at $360,000
A 20% down, 30-year fixed at ~6.75% APR on the Vermont median home price puts principal & interest around $1,868/mo. Local VT down-payment assistance can stack on top.
See Vermont mortgage offersTypical $17,900 funded loan in VT
Our average funded personal loan for a Vermont borrower runs about $17,900 over 4 years. At 11.9% APR that's roughly $470/mo — with rate ceilings enforced by the VT DFR.
Check my Vermont rateConsolidating ~$22,204 of high-rate debt
Rolling roughly 30% of the Vermont median household income out of 22% credit cards and into a 5-year fixed 9.5% loan drops the payment to about $466/mo — a common VT refinance path.
Match a Vermont lenderPayment estimates are illustrative and do not include taxes, insurance, or lender fees. Consumer loans in Vermont are supervised by the Vermont Department of Financial Regulation.
Every loan type available in Vermont
Our marketplace covers every major loan product for Vermont residents. Each match is from a lender licensed by the VT DFR to operate in VT.
See your real Vermont offers in about 2 minutes
Answer a few quick questions. We'll match you with lenders licensed by the VT DFR — with APR, monthly payment, and fees shown upfront.
- Vermont-licensed lenders only
- Soft credit pull — no score impact
- Real APRs calibrated to VT market
Lending rules in Vermont
Vermont consumer lenders are supervised by the Vermont Department of Financial Regulation. Every match we send you comes with the lender's active VT license number.
Default cap 12% on most consumer credit; licensed lenders have product-specific limits up to 24%.
- Pre-qualification uses a soft credit pull — your VT credit file is not affected.
- We never sell Vermont borrower data. Only lenders you choose see your contact info.
- Offers are calibrated to Vermont DTI norms and the local $360,000 home-price market.
Informational only — not legal or financial advice. VT rate caps and regulations change; confirm details with the Vermont Department of Financial Regulation.
Top Vermont cities we serve
Don't see your city? We serve every ZIP code in Vermont.
Questions Vermont borrowers ask
+What loan types are available in Vermont?
Nothing But Loans covers personal, auto, mortgage, HELOC, student, business, SBA, debt consolidation, solar, and 15+ other products for Vermont residents. Every match is routed to a lender licensed by the Vermont Department of Financial Regulation.
+Are the lenders on this site licensed in Vermont?
Yes. We only forward your request to partners that hold an active VT license with the Vermont Department of Financial Regulation (VT DFR). Their NMLS or state license number appears with every offer.
+What are the Vermont interest-rate rules I should know about?
Default cap 12% on most consumer credit; licensed lenders have product-specific limits up to 24%. This affects what a lender can legally charge you in VT on non-bank consumer loans.
+Does checking rates affect my credit score in Vermont?
No. Our 2-minute questionnaire uses a soft credit pull, which is invisible to other lenders and has zero impact on your score. Only the Vermont lender you choose to move forward with will run a hard pull.
+How much do borrowers in Vermont typically request?
The average funded consumer loan on our platform in Vermont is about $17,900. Popular products in VT are Mortgage, Personal, Auto, with mortgage sizes driven by the ~$360,000 median home price.
+Do you serve borrowers outside of Burlington?
Yes — every ZIP code in Vermont is covered. Whether you're in Burlington or a smaller market, we route your inquiry to lenders active in your county.
Ready to see your Vermont rates?
Takes about 2 minutes. Soft credit pull, no obligation, and only lenders licensed in VT — never a mystery list.
- Match to a Vermont-licensed lender
- Free — no cost to compare
- Never any spam or hidden fees