Gilbert at a glance
- Population: about 311, 178th by size in West Virginia of 230 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 332 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 6.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 178th-largest of 230 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 23% of West Virginia's Census places are smaller (US Census Bureau).
- Coordinates: latitude 37.6149, longitude -81.8704 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Man, WV (9 mi); Oceana, WV (14 mi); Matewan, WV (16 mi); Logan, WV (18 mi); Delbarton, WV (18 mi) (US Census Bureau).
- Nearest smaller communities: Iaeger, WV (11 mi); Davy, WV (16 mi); Bradshaw, WV (19 mi) (Census populations).
What a personal loan costs in Gilbert
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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 Gilbert
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Gilbert
Run through this list before signing anything in Gilbert:
- 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.