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Personal loans in Bethlehem, WV

A personal loan in Bethlehem is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. Bethlehem's Census population of roughly 2,553 makes it the 48th-largest of 230 places in West Virginia. West Virginia law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Bethlehem at a glance

  • Population: 2,553 people, the 48th-largest place among West Virginia's 230 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 2,607 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: a decline of roughly 2.1% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among West Virginia places: 48th of 230 by population (US Census Bureau, Vintage 2023).
  • Size percentile: ahead of around 79% of West Virginia places in population terms (US Census Bureau).
  • Coordinates: mapped at 40.0465, -80.6809 by the US Census Bureau Gazetteer.
  • Nearest larger cities: Wheeling, WV (2 mi); Bellaire, OH (4 mi); Martins Ferry, OH (5 mi); Shadyside, OH (6 mi); Moundsville, WV (9 mi), each a US Census place with its estimated population.
  • Nearest smaller communities: Triadelphia, WV (3 mi); Bridgeport, OH (4 mi); Benwood, WV (4 mi) (Census populations).

What a personal loan costs in Bethlehem

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

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 offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.

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 Bethlehem

The table lists the West Virginia rules that apply to a loan made in Bethlehem, each with the regulator that published it.

RuleDetailSource
Small-loan / installment lender licensingRegulated 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 regulatorWest 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 statusTraditional 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 Bethlehem

Run through this list before signing anything in Bethlehem:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in West Virginia using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Bethlehem?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Bethlehem are the same as elsewhere in West Virginia.
How much can I borrow with a personal loan in Bethlehem?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Bethlehem require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Bethlehem hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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