Albright at a glance
- Population: the Census estimates 246 residents, ranking 192nd of 230 places in West Virginia (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 248 (US Census Bureau).
- 2020 to 2023 change: population fell about 0.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among West Virginia places: 192nd of the state's 230 Census places (US Census Bureau).
- Size percentile: larger than about 17% of the Census places in West Virginia (US Census Bureau).
- Coordinates: mapped at 39.4947, -79.6398 by the US Census Bureau Gazetteer.
- Nearest larger cities: Kingwood, WV (3 mi); Terra Alta, WV (6 mi); Reedsville, WV (9 mi); Tunnelton, WV (9 mi); Masontown, WV (9 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Bruceton Mills, WV (11 mi); Brandonville, WV (12 mi); Markleysburg, PA (19 mi) (Census populations).
What a personal loan costs in Albright
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Albright
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Albright
The steps below are worth completing first when you borrow in Albright:
- 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.