Blacksville at a glance
- Population: 119 — 224th in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 117 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 1.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 224th of 230 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 3% of the Census places in West Virginia (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.7156, -80.2147.
- Nearest larger cities (120-mile radius): Fairview, WV (9 mi); Grant Town, WV (11 mi); Granville, WV (12 mi); Waynesburg, PA (13 mi); Star City, WV (13 mi) (US Census Bureau).
- Nearest smaller towns: Smithfield, WV (24 mi); Green Hills, PA (28 mi); Coal Center, PA (30 mi) (US Census Bureau).
What a personal loan costs in Blacksville
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Blacksville
Read the table as the compliance picture for a lender serving Blacksville: label, sourced figure, publisher and date.
| 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 Blacksville
Here is a short checklist for comparing personal loans in Blacksville:
- 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.