Durbin at a glance
- Population: the Census estimates 249 residents, ranking 191st of 230 places in West Virginia (Vintage 2023).
- 2020 Census base: 233 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 6.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 191st by size among 230 communities (US Census Bureau).
- Size percentile: ahead of around 17% of West Virginia places in population terms (US Census Bureau).
- Coordinates: 38.5474 / -79.8280, per the US Census Bureau Gazetteer.
- Nearest larger cities: Mill Creek, WV (15 mi); Beverly, WV (21 mi); Elkins, WV (26 mi); Marlinton, WV (26 mi); Franklin, WV (28 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Huttonsville, WV (14 mi); Monterey, VA (16 mi); Womelsdorf (Coalton), WV (25 mi) (Census populations).
What a personal loan costs in Durbin
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Durbin
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Durbin
These steps are the ones that most affect the offer you receive in Durbin:
- 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.