Harman at a glance
- Population: 94 people, the 227th-largest place among West Virginia's 230 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 96 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 2.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 227th-largest of 230 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 1% of the Census places in West Virginia (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.9211, -79.5246.
- Nearest larger cities: Hendricks, WV (12 mi); Hambleton, WV (13 mi); Parsons, WV (15 mi); Davis, WV (15 mi); Thomas, WV (16 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Luke, MD (46 mi); Bruceton Mills, WV (51 mi); Ohiopyle, PA (65 mi) (US Census Bureau).
What a personal loan costs in Harman
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Harman
The table lists the West Virginia rules that apply to a loan made in Harman, each with the regulator that published it.
| 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 Harman
Before you commit to a personal loan in Harman, work through these steps:
- 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.