Bramwell at a glance
- Population: the Census estimates 265 residents, ranking 185th of 230 places in West Virginia (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 275 residents here (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 3.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 185th in population of 230 places (US Census Bureau).
- Size percentile: about 20% of West Virginia's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.3295, -81.3077.
- Nearest larger cities within 120 miles: Bluefield, VA (7 mi); Bluefield, WV (7 mi); Princeton, WV (12 mi); Gary, WV (13 mi); Welch, WV (17 mi) (US Census Bureau).
- Nearest smaller towns: Pocahontas, VA (3 mi); Anawalt, WV (7 mi); Northfork, WV (9 mi) — US Census Bureau populations.
What a personal loan costs in Bramwell
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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 repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
West Virginia lending rules that apply in Bramwell
The West Virginia rate caps and licensing rules that reach Bramwell are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bramwell
A few practical steps will make the process in Bramwell less costly:
- 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.