Notwithstanding any statutory or case law, a bank or savings institution making a loan payable in installments may impose finance charges and other charges and fees at such rates and in such amounts and manner as the borrower has agreed.
Charges by banks and savings institutions on installment loans
Va. Code Ann. § 6.2-309, under Chapter 3. Interest and Usury..
Va. Code Ann. § 6.2-309