Vienna at a glance
- Population: a Census-estimated 10,457, placing it 12th among West Virginia's 230 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 10,666 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 2.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among West Virginia places: the 12th-largest of 230 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 95% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: latitude 39.3228, longitude -81.5298 (US Census Bureau Gazetteer).
- Nearest larger cities: Parkersburg, WV (4 mi); Marietta, OH (8 mi); Athens, OH (30 mi); Zanesville, OH (51 mi); Clarksburg, WV (63 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: North Hills, WV (1 mi); Belpre, OH (4 mi); Williamstown, WV (7 mi) — US Census Bureau populations.
What a personal loan costs in Vienna
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
West Virginia lending rules that apply in Vienna
The table carries the West Virginia rate and licensing rules that apply to consumer loans made in Vienna.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Vienna
Before you share your details with a lender in Vienna:
- 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.