Granville at a glance
- Population: 1,371 — 81st in West Virginia, which has 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,355 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.2% growth over the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 81st-largest of 230 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 65% of the Census places in West Virginia (US Census Bureau).
- Coordinates: latitude 39.6488, longitude -79.9992 (US Census Bureau Gazetteer).
- Nearest larger cities: Star City, WV (1 mi); Westover, WV (1 mi); Morgantown, WV (3 mi); Fairmont, WV (14 mi); Masontown, PA (15 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Point Marion, PA (8 mi); Rivesville, WV (10 mi); Greensboro, PA (11 mi) (US Census Bureau estimates).
What a personal loan costs in Granville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
West Virginia lending rules that apply in Granville
Read the table as the compliance picture for a lender serving Granville: label, sourced figure, publisher and date.
| 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 Granville
The order below is a sensible way to approach a loan in Granville:
- 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.