Belington at a glance
- Population: a Census-estimated 1,789, placing it 60th among West Virginia's 230 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,804 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 0.8% below the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 60th of the state's 230 Census places (US Census Bureau).
- Size percentile: about 74% of West Virginia's Census places are smaller (US Census Bureau).
- Coordinates: 39.0151, -79.9409 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Elkins, WV (8 mi); Philippi, WV (11 mi); Buckhannon, WV (16 mi); Grafton, WV (23 mi); Bridgeport, WV (26 mi) (US Census Bureau).
- Smaller places nearby: Junior, WV (3 mi); Montrose, WV (8 mi); Womelsdorf (Coalton), WV (8 mi), per US Census Bureau estimates.
What a personal loan costs in Belington
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
West Virginia lending rules that apply in Belington
Each row below is a West Virginia rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Regulated 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 regulator | West 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 status | Traditional 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 Belington
The steps below are worth completing first when you borrow in Belington:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in West Virginia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.