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Personal loans in Bruceton Mills, WV

For a borrower in Bruceton Mills, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. At about 61 residents, Bruceton Mills is the 229th-largest of the 230 Census places in West Virginia. West Virginia's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

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

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Bruceton Mills at a glance

  • Population: 61, the 229th-largest community in West Virginia out of 230 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 61 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: under a tenth of a percent either way (US Census Bureau Vintage 2023 estimate).
  • Rank among West Virginia places: 229th in population of 230 places (US Census Bureau).
  • Size percentile: about 0% of places in West Virginia are smaller (US Census Bureau).
  • Coordinates: latitude 39.6594, longitude -79.6406 (US Census Bureau Gazetteer).
  • Nearest larger cities (120-mile radius): Brandonville, WV (1 mi); Masontown, WV (11 mi); Markleysburg, PA (11 mi); Albright, WV (11 mi); Friendsville, MD (13 mi) (US Census Bureau).
  • Nearest smaller communities: Ohiopyle, PA (16 mi); Seven Springs, PA (31 mi); Callimont, PA (39 mi), each a US Census place.

What a personal loan costs in Bruceton Mills

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

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

Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.

West Virginia lending rules that apply in Bruceton Mills

Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.

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 Bruceton Mills

A few practical steps will make the process in Bruceton Mills less costly:

  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 Bruceton Mills?
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 Bruceton Mills are the same as elsewhere in West Virginia.
How much can I borrow with a personal loan in Bruceton Mills?
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 Bruceton Mills 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 Bruceton Mills 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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