Bolivar at a glance
- Population: roughly 1,005 people; 100th of 230 places in West Virginia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,036 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 3.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: the 100th-largest of 230 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 57% of the places in West Virginia (US Census Bureau).
- Coordinates: it sits at 39.3242, -77.7517 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Brunswick, MD (7 mi); Lovettsville, VA (7 mi); Ranson, WV (7 mi); Shepherdstown, WV (8 mi); Charles Town, WV (8 mi) (US Census Bureau).
- Nearest smaller towns: Harpers Ferry, WV (1 mi); Rosemont, MD (7 mi); Burkittsville, MD (8 mi) (US Census Bureau).
What a personal loan costs in Bolivar
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
West Virginia lending rules that apply in Bolivar
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Bolivar
A few practical steps will make the process in Bolivar less costly:
- 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.