Barboursville at a glance
- Population: 4,355 (US Census Bureau, Vintage 2023 subcounty estimate), the 29th-largest of 230 places in West Virginia.
- 2020 Census base: 4,441 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 1.9% lower than the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 29th of 230 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 87% of the places in West Virginia (US Census Bureau).
- Coordinates: 38.4064, -82.2953 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Huntington, WV (8 mi); Hurricane, WV (15 mi); Ashland, KY (19 mi); Ironton, OH (22 mi); Flatwoods, KY (24 mi) (US Census Bureau).
- Smaller places nearby: Proctorville, OH (5 mi); Athalia, OH (7 mi); Chesapeake, OH (9 mi), per US Census Bureau estimates.
What a personal loan costs in Barboursville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
West Virginia lending rules that apply in Barboursville
Each row below is a West Virginia rule with its publisher and the date it was retrieved.
| 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 Barboursville
Run through this list before signing anything in Barboursville:
- 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.