Hambleton at a glance
- Population: 211 people, the 201st-largest place among West Virginia's 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 216 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down roughly 2.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among West Virginia places: 201st-largest of 230 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 13% of the Census places in West Virginia (US Census Bureau).
- Coordinates: 39.0824, -79.6465 (US Census Bureau Gazetteer).
- Nearest larger cities: Hendricks, WV (1 mi); Parsons, WV (2 mi); Thomas, WV (10 mi); Davis, WV (10 mi); Elkins, WV (16 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Montrose, WV (9 mi); Harman, WV (13 mi); Bayard, WV (20 mi) (US Census Bureau estimates).
What a personal loan costs in Hambleton
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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 offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Hambleton
The West Virginia rate caps and licensing rules that reach Hambleton are listed below, each with its source and retrieval date.
| 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 Hambleton
Here is a short checklist for comparing personal loans in Hambleton:
- 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.