Delbarton at a glance
- Population: 395 residents, the 163rd-largest of 230 places in West Virginia (US Census Bureau, Vintage 2023).
- 2020 Census base: 420 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 6.0% below the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 163rd out of 230 Census places (US Census Bureau).
- Size percentile: roughly 29% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 37.7052, -82.1861 in the US Census Bureau Gazetteer.
- Nearest larger cities: Williamson, WV (5 mi); Logan, WV (15 mi); Man, WV (17 mi); Chapmanville, WV (20 mi); Inez, KY (22 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Matewan, WV (6 mi); Kermit, WV (15 mi); West Logan, WV (15 mi) (Census populations).
What a personal loan costs in Delbarton
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
West Virginia lending rules that apply in Delbarton
The sourced rows below are the rules a licensed lender must follow when lending in West Virginia, and therefore in Delbarton.
| 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 Delbarton
The order below is a sensible way to approach a loan in Delbarton:
- 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.