Capon Bridge at a glance
- Population: 422 residents, the 159th-largest of 230 places in West Virginia (US Census Bureau, Vintage 2023).
- 2020 Census base: 416 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 159th of the state's 230 Census places (US Census Bureau).
- Size percentile: roughly 31% of places in West Virginia rank below it by population (US Census Bureau).
- Coordinates: 39.3020 latitude, -78.4328 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Winchester, VA (16 mi); Romney, WV (18 mi); Stephens City, VA (18 mi); Middletown, VA (21 mi); Strasburg, VA (21 mi) (US Census Bureau).
- Smaller places close by: Paw Paw, WV (16 mi); Wardensville, WV (18 mi); Toms Brook, VA (25 mi) (US Census Bureau).
What a personal loan costs in Capon Bridge
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Capon Bridge
The West Virginia rate caps and licensing rules that reach Capon Bridge are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Capon Bridge
These steps are the ones that most affect the offer you receive in Capon Bridge:
- 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.