While we have listed the usury limit along with the exceptions that would most frequently apply to Virgin Money customers, there may be exceptions to the usury limit in states in addition the ones listed by Virgin Money. For states that do not have a usury limit listed, please be aware the rate may still be limited by federal law. The statutes that set the usury limits change frequently and are numerous, complex and in many case, open to interpretation. The usury limits listed are accurate as of the date that the research was performed. This is not meant to be a substitute for the counsel of an attorney. Virgin Money advises that you speak with an attorney if you have any question regarding usury in your state.