Barrackville at a glance
- Population: 1,201 residents, the 92nd-largest of 230 places in West Virginia (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,209 (US Census Bureau).
- 2020 to 2023 change: down about 0.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 92nd-largest of 230 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 60% of the Census places in West Virginia (US Census Bureau).
- Coordinates: 39.5017 latitude, -80.1698 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Fairmont, WV (2 mi); Pleasant Valley, WV (3 mi); Mannington, WV (9 mi); Shinnston, WV (10 mi); Westover, WV (13 mi) (US Census Bureau).
- Nearest smaller towns: Rivesville, WV (3 mi); Monongah, WV (4 mi); Grant Town, WV (4 mi) (US Census Bureau).
What a personal loan costs in Barrackville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Barrackville
The table lists the West Virginia rules that apply to a loan made in Barrackville, each with the regulator that published it.
| 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 Barrackville
Run through this list before signing anything in Barrackville:
- 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.