Glasgow at a glance
- Population: a Census-estimated 684, placing it 130th among West Virginia's 230 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 704 (US Census Bureau).
- 2020 to 2023 change: about 2.8% below the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 130th of the state's 230 Census places (US Census Bureau).
- Size percentile: about 43% of places in West Virginia are smaller (US Census Bureau).
- Coordinates: mapped at 38.2127, -81.4192 by the US Census Bureau Gazetteer.
- Nearest larger cities: Cedar Grove, WV (1 mi); East Bank, WV (1 mi); Montgomery, WV (6 mi); Chesapeake, WV (6 mi); Belle, WV (7 mi); US Census Bureau population estimates.
- Smaller places nearby: Pratt, WV (2 mi); Handley, WV (3 mi); Gauley Bridge, WV (12 mi), per US Census Bureau estimates.
What a personal loan costs in Glasgow
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.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
West Virginia lending rules that apply in Glasgow
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Glasgow
Here is a short checklist for comparing personal loans in Glasgow:
- 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.