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Part of the Primo Personal Loans chain · locations
Primo Personal Loans in Virginia Beach, VA
Virginia Beach, VA's Primo Personal Loans at 1651 Laskin Rd unit 105 offers fast personal loans and title loans with convenient evening hours until 8PM weekdays.
Data compiled from public sources · Rating from CreditDoc methodology
Primo Personal Loans Review
Located at 1651 Laskin Rd unit 105 in Virginia Beach, VA, this Primo Personal Loans storefront serves the local community with convenient personal and title loan services. The location offers extended weekday hours (7AM–8PM, Monday through Friday) and weekend hours (9AM–6PM, Saturday and Sunday), making it accessible for working Virginians in the Virginia Beach area.
The Virginia Beach location provides fast personal loans and title loans to help residents bridge financial gaps quickly. Staff at this storefront can discuss loan options, answer questions about rates and terms, and walk you through the application process. For immediate assistance, call +1 757-384-1984 during business hours.
If you're a Virginia Beach resident facing an unexpected expense or short-term cash need, this location makes it convenient to apply in person. Bring a valid ID, proof of income (recent paystub or bank statement), and proof of residence. Primo Personal Loans specializes in quick approvals and same-day funding for those who qualify.
Services & Features
Customer service by phone (803) 674-5822
Express personal loans ($100–$1,000)
Extended personal loans ($1,000–$5,000)
Free online loan quote generation
Online loan application and approval
SSL/TLS encrypted transactions
Same-day or next-day funding (subject to verification)
Soft inquiry pre-qualification (no FICO® impact)
State-specific loan terms and conditions
USA PATRIOT Act compliance and identity verification
Website accessibility features (keyboard navigation, contrast adjustment, text resizing)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Loans available in amounts as low as $100, making them accessible for small emergency expenses
- Free quote process with no FICO® score impact from initial application
- Online application with potential same-day or next-day processing
- SSL and TLS security encryption for online transactions
- Clear disclosure of terms, conditions, and borrower responsibilities
- Accessible website design with keyboard navigation and contrast adjustment features
- Transparent about using non-traditional reporting agencies instead of traditional credit bureaus
Cons
- Maximum loan amount of $5,000 is relatively low compared to traditional personal loan lenders
- The provided Memphis location link returns a 404 error, suggesting service gaps or outdated information
- Not all applicants will qualify for full requested amounts; actual terms depend on individual financial circumstances
- Company explicitly positions loans as short-term solutions, not long-term financial tools
- Fund release may be delayed up to two business days for verification purposes
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Primo Personal Loans legitimate?
Yes. Primo Personal Loans is a registered company, headquartered in 1651 Laskin Rd unit 105, Virginia Beach, VA 23451.
Quick Facts
- Headquarters
- 1651 Laskin Rd unit 105, Virginia Beach, VA 23451
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Primo Personal Loans
Primo Personal Loans is best suited for consumers needing quick access to small emergency funds ($100–$5,000) who prioritize online convenience and want to avoid FICO® score impact. However, service availability is unclear due to 404 errors on regional pages, loan qualification is not guaranteed, and the company explicitly warns that these are short-term solutions—not alternatives to proper financial planning or credit counseling.
Best For
- Consumers needing $100–$1,000 for immediate emergencies (car repairs, medical bills, utility payments)
- Borrowers concerned about FICO® score impact who prefer soft inquiry applications
- Individuals seeking quick online loan processing without in-person branch visits
- Short-term bridge financing needs rather than large debt consolidation or major purchases
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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