Mannington at a glance
- Population: 1,916 people, the 59th-largest place among West Virginia's 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,951 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.8% below the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 59th-largest of 230 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 74% of the places in West Virginia (US Census Bureau).
- Coordinates: 39.5287, -80.3405 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Shinnston, WV (10 mi); Fairmont, WV (11 mi); Pleasant Valley, WV (11 mi); Bridgeport, WV (16 mi); Clarksburg, WV (18 mi); US Census Bureau population estimates.
- Nearest smaller communities: Farmington, WV (5 mi); Worthington, WV (6 mi); Fairview, WV (7 mi), each a US Census place.
What a personal loan costs in Mannington
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
West Virginia lending rules that apply in Mannington
The sourced rows below are the rules a licensed lender must follow when lending in West Virginia, and therefore in Mannington.
| 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 Mannington
Before you share your details with a lender in Mannington:
- 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.