Marlinton at a glance
- Population: 969 — 103rd in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 992 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population fell about 2.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among West Virginia places: 103rd by size among 230 communities (US Census Bureau).
- Size percentile: about 55% of West Virginia's Census places are smaller (US Census Bureau).
- Coordinates: 38.2241 latitude, -80.0875 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Richwood, WV (24 mi); Covington, VA (31 mi); Clifton Forge, VA (31 mi); White Sulphur Springs, WV (32 mi); Lewisburg, WV (34 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Hillsboro, WV (9 mi); Falling Spring, WV (22 mi); Addison (Webster Springs), WV (25 mi) (US Census Bureau).
What a personal loan costs in Marlinton
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed 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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Marlinton
The West Virginia rate caps and licensing rules that reach Marlinton are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Marlinton
Before you share your details with a lender in Marlinton:
- 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.