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Personal loans in Barboursville, WV

Borrowers in Barboursville use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. At about 4,355 residents, Barboursville is the 29th-largest of the 230 Census places in West Virginia. West Virginia law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Barboursville at a glance

  • Population: 4,355 (US Census Bureau, Vintage 2023 subcounty estimate), the 29th-largest of 230 places in West Virginia.
  • 2020 Census base: 4,441 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: about 1.9% lower than the 2020 Census base (US Census Bureau).
  • Rank among West Virginia places: 29th of 230 by population (US Census Bureau, Vintage 2023).
  • Size percentile: it is larger than about 87% of the places in West Virginia (US Census Bureau).
  • Coordinates: 38.4064, -82.2953 (US Census Bureau Gazetteer).
  • Nearest larger cities (120-mile radius): Huntington, WV (8 mi); Hurricane, WV (15 mi); Ashland, KY (19 mi); Ironton, OH (22 mi); Flatwoods, KY (24 mi) (US Census Bureau).
  • Smaller places nearby: Proctorville, OH (5 mi); Athalia, OH (7 mi); Chesapeake, OH (9 mi), per US Census Bureau estimates.

What a personal loan costs in Barboursville

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.

The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.

Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.

West Virginia lending rules that apply in Barboursville

Each row below is a West Virginia rule with its publisher and the date it was retrieved.

RuleDetailSource
Small-loan / installment lender licensingRegulated consumer lender license required from the Commissioner (W. Va. Code § 46A-4-101)
Source says: Unless a person has first obtained a license from the commissioner authorizing the person to make regulated consumer loans
West Virginia Legislature (West Virginia Code)
as of 2026-09-16
State lending regulatorWest Virginia Division of Financial Institutions (WV DFI)
Source says: The West Virginia Division of Financial Institutions is charged with the regulation and supervision of financial institutions chartered by the State of West Virginia.
West Virginia Division of Financial Institutions (WV DFI)
as of 2026-09-16
Maximum legal interest rate (usury cap)31% per year on unsecured loans of $3,500 or less; 27% on $3,500–$15,000; 18% above $15,000 (W. Va. Code § 46A-4-107)
Source says: the loan finance charge, calculated according to the actuarial method, may not exceed 31 percent per year
West Virginia Legislature (West Virginia Code)
as of 2026-09-16
Payday lending statusTraditional payday lending is generally prohibited; check cashers are regulated under W. Va. Code ch. 32A
Source says: Traditional "Payday Lenders" are generally prohibited within this state.
West Virginia Division of Financial Institutions (WV DFI)
as of 2026-09-16

How to compare offers in Barboursville

Run through this list before signing anything in Barboursville:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in West Virginia using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Barboursville?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Barboursville are the same as elsewhere in West Virginia.
How much can I borrow with a personal loan in Barboursville?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Barboursville require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Barboursville hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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