Bath (Berkeley Springs) at a glance
- Population: 752 — 119th in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 756 (US Census Bureau).
- 2020 to 2023 change: down about 0.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 119th of the state's 230 Census places (US Census Bureau).
- Size percentile: roughly 48% of places in West Virginia rank below it by population (US Census Bureau).
- Coordinates: 39.6247, -78.2275 (US Census Bureau Gazetteer).
- Nearest larger cities: Hancock, MD (6 mi); Martinsburg, WV (18 mi); Williamsport, MD (22 mi); Mercersburg, PA (22 mi); McConnellsburg, PA (25 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Hedgesville, WV (13 mi); Paw Paw, WV (14 mi); Clear Spring, MD (16 mi) (US Census Bureau).
What a personal loan costs in Bath (Berkeley Springs)
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
West Virginia lending rules that apply in Bath (Berkeley Springs)
The table lists the West Virginia rules that apply to a loan made in Bath (Berkeley Springs), each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bath (Berkeley Springs)
Before you commit to a personal loan in Bath (Berkeley Springs), work through these steps:
- 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.